vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-02 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: CA

Complaint narrative:
my experian credit report is showing i owe XXXX XXXX XXXX XXXX dollars.?? 

but i dont understand how i owe XXXX XXXX any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe XXXX XXXX any money..

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 2021-05-02 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: GA

Complaint narrative:
I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
Chexsystems claims that I have an open case with XXXX XXXX  for XXXX $ since XX/XX/XXXX and this is NOT true I have never had an account with XXXX XXXX  I have been having trouble with every single thing I have tried to do for more then 3 years now will someone please check these facts I am telling you here what do I have to do to get someone to listen to me and please help me out with this I am just one person against an entire corrupted system and its not fair its suppose to fall off after 3 years but yet it is still declining and denying me and its not falling off either why is that why cant I get somebody to recognize the travesty going on what do I got ta do

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 2021-05-02 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: CA

Complaint narrative:
While checking my experian credit profile I noticed that my ratio of revolving balance to credit limit ratio is 19 % which is accurate. After doing that I checked my credit score. In checking the factors, both negative and positive, I noticed that my ratio of revolving balance to credit limit is 57 % which is not accurate in calculating my credit score. By adding all my credit card balances I concluded they are adding my car loan to my revolving balance therefore affecting my score negatively. This is not a disputable issue with Experian but is one that should be looked at carefully. I took a picture of my credit usage which is 19 % but 57 % at the credit score factors.

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 2021-05-02 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am now XXXX XXXX XXXX on XXXX XXXX still throughout my whole XXXX due to XXXX. I called all credit card companies letting them know my situation of why I wouldn't be able to make a payment until I could get well from being XXXX  and contracting the XXXX XXXX  being put on XXXX XXXX  with a XXXX year old son while I'm extremely sick and unwell. I've always paid early keeping my balance very low. I was assured everything was well and to call and make a payment as soon as I was well. I called twice in two days once I got better and had paid in full to a {$0.00} balance on all credit cards. I asked for the late fees to be taken off and also for it to come off of my report of credit, to no avail did they help me with my credit report, after being told that everything would be fine and to focus on the health of me and mXXXX XXXX XXXX and my XXXX year old. Me and my husband were in the home buying process and with all of these late payments on our credit our daughter is about to be XXXX  and we don't even have the credit to get our home I advised them that I could provide any documentation from Doctors hospitals bank statements anything that they needed and so please contact me to provide anything that they would need to know avail. Please help me. Me and my husband are trying to buy a home for us and our children and we can't because of the hit that my credit has taken is so bad with these late payments I asked them for them to be removed because they said in the beginning that I wouldn't be charged any but I still was if you can please help me I would greatly appreciate it thank you very very much God bless you

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 2021-05-02 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: TX

Complaint narrative:
There has been plenty of guidance from the president and the cares act and any covid guidance on collectors attempting to collect debt especially state guidance considering the furloughs and the lockdowns and the attempt to stop the spread of covid, and yet still this company put a negative remark on my collection report called the collection company is listed on my XXXX credit report, XXXX or some type of XXXX XXXX, ( because the one from the test said so ). i have so many records of experian and XXXX  and XXXX removing my negative or collection account just to see it be placed again under a different company name this madness has got to stop

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called my financial institution ( Chase Bank ) at XXXX several times over a 1 and 1/2 hour time span on Saturday afternoon ( XX/XX/2021 ) to report a fraudulent activity of {$320.00} from my bank account using XXXX as soon as I got off the telephone with the scammer posing as an XXXX  representative from the billing dept. 

I first called Chase customer service on two different occasions and both times I waited closed to 30 minutes while the call was being transferred to the Claims Dept. I called a third time and was given the telephone # XXXX to call Claims directly but each time I called this telephone #, a " telephone banker '' would answered and kept transferring me to the Claim Dept,, which I advised I have been dialing and was not getting the appropriate response but she stated they were working, I called a fourth time to speak to a male supervisor and explained my situation. The manager stated that because it was the weekend, not enough staff is available but stated he was going to transferred the call, yet again to the correct dept. and would stay with me until my call was picked up so I can file my claim, The manager transferred the call and an automatic message prompted the wait time to be 50 minutes. 

In times of urgency, I did not have the opportunity to report and possibly stopped, or at least attempt to prevent my funds from being taken out of my account on a timely manner as Chase Bank 's telephone customer service in the Claims Dept was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2021 I called Navient to pay off one of two consolidated loans. Both loans are current. As per Navient 's policy, if a loan is current a borrower is able to make additional payments on the loan. After specifying that I wanted to pay the payoff amount for loan XXXX, the supervisor applied the payment to the loan specified. The payment amount was {$3300.00} for loan XXXX. 

However upon verifying the application of my payment, I discovered that {$1600.00} was applied to loan XXXX and that I now owe Navient {$1600.00} on loan XXXX. The lender has added .16 of interest and failed to direct my payment to the loan requested, XXXX. Navient has frustrated my efforts to pay my loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XXXX XXXX and XXXX XXXX are the branch manager and assistant branch manager of the Navy Federal Credit Union on XXXX XXXX. They are XXXX XXXX and XXXX XXXX XXXX. They have defrauded my account of tens of thousands of dollars in excessive authorizations since the accounts inception. They have precluded me from being able to contact the NFCU in any way shape or form other than by email. I am requesting that the FBI investigate them for money laundering, racketeering, drug trafficking and arrest them and discharge them from NFCU employment permanently as they are both XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.lso Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a deposit of XXXX from California EDD, I used my card to at XXXX XXXX XXXX, XXXX XXXX, Oregon. I continued to XXXX on the same street, in XXXX XXXX, Oregon and used their ATM., Within an hour ( and not to my knowledge ) someone made an ATM balance inquiry, in XXXX XXXX , Calif. , and minutes later, someone made a withdraw of XXXX at a ATM in XXXX XXXX , Calif. That's about a 1000 miles from where I was standing. Now my problem is that the banks fraud protection should have shut my account down at the balance inquiry, and I would have had my funds intact. Or when that someone withdrawn XXXX out of another ATM, was another chance to shut my account down. I filed a claim which they closed the next day. I called customer service again and reopened the claim. I have called many times but they said it's under investigation. XXXX XXXX of the XXXX is a payment that I owe and the company I make payments to are hounding me and my credit with them is going to suffer along with my poor credit score. I am trying to raise my credit score not lower it. The bank that has lost my funds has been rude and treat me like I stole my own money. The last deposit I got, I withdrew all my funds. I don't trust this bank and I'm stuck receiving my unemployment benefits though them. I need my money, it's bad enough that my work has gone to a complete stop. due to the virus.The bank in question keeps telling me to wait and that their hands are tied. And it could take up to 45 days. My bills are not able to be pushed back to make my XXXX payment. I feel that the bank is not doing what they can to credit my account. As for Fraud Protection, this bank is the fraudster in my mind. It should be against the law to hold cardholders funds because of their mistake.

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 2021-05-02 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: I.C. System, Inc.
State: FL

Complaint narrative:
First off I am impacted by covid19 so this debt should not be thrown to collections. I have no knowledge of this account. Several years ago I had an employee of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sign me up fraudulently for contracts. I complained to attorney generals and the XXXX. I was told the employee was fired and i would have to sue them. I was also told it would be removed. Please help me get this off my credit report. Seems like some local XXXX Florida XXXX business tricks. 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 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
USAA Federal savings bank has denied me access to my funds, which in turn has rendered me homeless, 2 vehicles under repossession, not able to pay bills causing my credit rating to take a tremendous drop. I have no food or money to eat or establish means of housing, I am on VA XXXX and SSDI. IM also not able to fix my vehicle that I've been sleeping in due to their inability to resolve this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
WE have checking account with Capital One on XX/XX/2021 I sold my car to XXXX XXXX for {$2900.00} and deposit the check on Capital One checking account, and on XX/XX/2021 I received email from Capital one that the checking account had unusual activity and I need to contact them I contact them and they told me that they need to talk to XXXX XXXX about the check, I gave Capital one XXXX XXXX telephone number and XXXX XXXX also tried to Call Capital One twice by himself, were put on hold for 1 hour then got hang up my checking account has been frozen since XX/XX/2021, which cause a lot of problems, I can not use my money in the account the {$2900.00} check clear on XX/XX/2021 but my checking account still frozen why do my whole checking account frozen?, seem like the reason for this is because I deposited the check which is good and clear please investigate this matter for us Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MI

Complaint narrative:
Experian refuses to update my XXXX XXXX XXXX XXXX  account. It is showing as open instead of closed. It is also showing a balance instead of being XXXX. I have disputed the inaccurate information several times with Experian but they keep closing it and stating the information is inaccurate. The inaccurate information started showing in my account XX/XX/2021 and I have been trying since then to get it disputed. I even took a day off to drive to XXXX XXXX, MI to the branch of XXXX XXXX XXXX. We tried to get the information fixed at that time and were unable to. XXXX XXXX XXXX states that Experian is reporting inaccurate information and they ( XXXX XXXX XXXX ) are not receiving the request to confirm the information. Experian is the only credit reporting agency still reporting this inaccurate information. XXXX XXXX XXXX has tried to call and email Experian to update the inaccurate but they have not being successful. Experian refuses to fix anything via email or over the phone and they are maintaining that XXXX XXXX XXXX has to fix the information through the electronic request that is being sent by Experian but the issue is that XXXX XXXX XXXX is not set up to receive that type of request from Experian. Experian has been extremely unhelpful with this request. This inaccurate information has impacted my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
my wife spoke with XXXX back in XXXX regarding a collection account that was on my credit report I didnt know I owed a balance and that I had an account in collections as I never had anything sent to me. we were told that in XXXX of XXXX and XXXX of XXXX there was a notice sent out to me letting me know the account was in collections. I asked to verify the address that the mail was sent to and both letters went to the rental property not my home address I was told that I would need to send a email over to XXXX whom is XXXX XXXX 's supervisor and that I needed to explain to him I never got the notice because it went to the wrong address so I was not able to dispute the collection and it was added to my credit report. I sent him an email and I have not heard back as of today.

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 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was sued by Bank of America for a credit card in XX/XX/XXXX and I do not know if this credit card was actually opened or used by me. In the summons / complaint, they included a copy of a statement from XX/XX/XXXX, but did not include any information that would be useful in determining if this account was actually opened and used by me. This timeframe was during a period in which I was homeless, or in various medical facilities, and I would like to have sufficient information to determine the accurate origin of this credit card, as well as the respective credit card agreement in effect at the time this card was opened.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: LA

Complaint narrative:
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt.

DNF Associates

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