vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXXXXXX- {$630.00} account no : XXXX 2. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response

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 2021-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a service connected XXXX veteran and I have been in a forbearance due to Covid. Just stayed on the phone with Wells Fargo 1 hour 48 minutes. I have communicated with the lender several times and not until today was I told that because my payment on XX/XX/2020 was not paid until XX/XX/2020 I do not qualify for a deferral of my loan because I can only have 18 payments and not 19 payments. According to Wells Fargo I was late in XX/XX/2020. Which I dispute. However, if I would have been told that I would not be able to put the payments from the forbearance to the end of the loan sooner because I am one payment over, it would have helped. Now I can not get those payments deferred to the end of the loan. This is going to cause problems for a lot of Veterans and seniors. 1 payment and here we are in the middle of XXXX. I am able to start paying my loan in XXXX, but to have to go through loan modification when the income is reduced because we had two incomes when the home was purchased and now my husband is deceased. My income is substantially less. If I was informed about 1 payment causing me to end up in foreclosure because at the 11th hour I am informed about 1 payment over is a way for lenders to allow homeowners to go into foreclosure. Right now I have to try to sell the house before it is foreclosure on. Because the lender never explained it could only be 18 payments until TODAY! How many other people are just learning this?

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On or around XX/XX/2021 I was informed that my information was at risk of a data breach and or black web. When checking the accuracy of my credit file. I noticed that there were in fact wrong and unauthorized information reporting on my XXXX  XXXX and XXXX. I did report to the Bureau along with the reporting agency which was I.C systems Inc. With the original creditor XXXX XXXX XXXX XXXX After opening up an ongoing investigation with the XXXX county sheriff 's office . I sent over the incident report number, along with a notarized fraud affidavit informing them that I had indeed been a victim of identity theft. I sent over a copy of my social security card, identification card, and proof of my current address I've lived in the last 3 years. I faxed, emailed, and sent a certified letter to the above mentioned agency and have yet to hear back from the agency in whom are still reporting fraudulently to the Credit Bureau. I'm asking to have this creditor remove and delete this account immediately for fraud and identity theft in that this is not my debt nor have I had or have knowledge about entering into any commitment of debt or payment of any kind.

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
I have recently made an complaint about the same collection agency and they said they couldnt find an account but when I call not did they only find an account with the same info I gave them the first time they also said a different balance owed from what they are saying I owe the representative also proceeded to hang up the phone on me after stating my facts. ERC at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. I have never in my life done business with them. This company does not have a contract nor signature with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I was the victim of a credit card scam XX/XX/2021, involving XXXX and Barclays. On XX/XX/XXXX, by registered mail, return receipt requested, I sent both companies the police report, screenshots of fraudulent computer interactions, and a narrative of my trauma, attached below. XXXX immediately removed the charges and cleared all debt, but Barclays continues to deny my claim. I had spoken with Barclays XX/XX/XXXX, XXXX ( XXXX ), XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX ). I received inconsistent, unclear information during these calls, and other times was kept on hold for up to 75 minutes and never spoke to anyone. On XX/XX/XXXX I received a letter from Barclays, dated XX/XX/XXXX, which denied my petition for dismissal of {$5700.00} in fraudulent charges, and stated I owed the original amount plus interest and penalty fees. Friday, XX/XX/XXXX I finally reached XXXX, who scheduled a call back for me and at XXXX XXXX. I spoke with XXXX who said by mistake they had scanned my documents but never forwarded them to a supervisor for review, that my case had been closed and was unable to be re-opened, but that she would send my information to a supervisor. XX/XX/XXXX I received a letter denying my claim. XX/XX/XXXX I filed complaints with XXXX, XXXX, FBI, FTC, and XXXX. On XX/XX/XXXX I received a barely intelligible voice mail from a woman with " the executive office at Barclays '' who said she would call me back, but has never followed up with me. I filed a complaint with the Louisiana Attorney General on XX/XX/XXXX. Today I received a billing notification from Barclays that I owe {$5900.00} by XX/XX/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 2021-09-14 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below was the account that is still reporting on my account : XXXX XXXX-XXXX-Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted the credit bureaus as well as Bank of America to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank 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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX  services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

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 2021-09-14 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: UT

Complaint narrative:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX  services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: UT

Complaint narrative:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

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 2021-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I first noticed fraudulent activity on my account. I discovered that there were many unauthorized debits by XXXX that did not match the orders that I placed online. During the purchase of my new home, I had ordered merchandise from XXXX, but discovered that unauthorized purchases totaling {$850.00} had charged to my debit card. 

I contacted Bank of America on XX/XX/XXXX and filed a claim for the fraudulent activity. I was issued a replacement debit card and was told that no further deductions from XXXX would be approved. 

About a week later, I received notice that my claim had been denied. Bank of America stated that I had provided access to my debit card, but provided no written documentation to substantiate their denial. I also noticed that even after my XX/XX/XXXX claim, additional debits to XXXX had been processed. 

On XX/XX/XXXX, I re-opened my claim and anticipated that Bank of America would contact XXXX to receive proof that none of the unauthorized debits were mine. On XX/XX/XXXX, I again received denial of my re-submitted claim with no written explanation. 

On XX/XX/XXXX, I visited the Bank of America branch office and spoke with XXXX XXXX. She contacted the fraud claim department by telephone. I spoke with the B of A fraud representative named XXXX. He stated that my claim had been denied because I waited four days to file my claim, had a " purchase history '' with XXXX, and that it appeared that i had provided authorization for my debit card to be used ; therefore, my claim was not considered by Bank of America to be fraudulent. 

He informed me that I would need to contact XXXX and submit additional documentation, but that my claim does not meet the requirements for fraud. 

I have been been a B of A depositor for over 25 years, am a B of A " Preferred Customer '', have my XXXX account purchase history, and understand fraud to be defined as, " ... the use of potentially illegal means to obtain money, assets, or other property owned by depositors ''. 

I am requesting intervention and support by CFPB to mediate this situation for me as I continue to work through my frustration and anger over my unfair and illegal treatment by Bank of America.

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 2021-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I would like the CFPB mediation in this matter. Some of the loans were dismissed if you were in a certain XXXX situation. I fit the description but Navient noted the loan would be dismissed, but it was placed on someone else account and not dismissed. Thanking you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TN

Complaint narrative:
I keep calling about account that reporting inaccurate on my credit report and I dispute several of times and spoken with representatives on yesterday on XXXX the XXXX and I was told account previously investigating and representative told me they haven't received any responses and I stated if your not had any response from this within 30 days the file must be removed from file per Federal Credit Reporting Act 609 but account is showing close. The Bureau isn't obeying the laws their not above the laws. I ask to representative to provide me the method of validation it was refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
Experian continues to report data that is beyond the statute reporting period they are illegally re aging the date on the account to maintain it longer. I have evidence reflecting this on older reports but unable to upload to their site. 

XXXX XXXX  should have been removed back in XX/XX/2021 was updated to reflect removal status of XX/XX/2021 and now that notation has now been removed off the account description. 

Needs to be removed now.

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 2021-09-14 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I reviewed a copy of my credit report in the past and found this inaccurate account in which i disputed. The company never followed up with me therefore i am initiating a complaint with you. I mailed the company a letter on XX/XX/2021 as well as contacted them through credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
Have used eagle finance before but been years ago. Just recently became aware, my credit has two hard inquiries on it from them. One from a year ago and one from now. I have not authorized either of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

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 2021-09-14 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Failed to have adequate processes for accurately reporting of checking account reporting information about checking and deposit accounts. With inaccurate information about checking account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Failed to have adequate processes for accurately reporting of checking account reporting information about checking and deposit accounts. With inaccurate information about checking account history.

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