vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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:
I am responding to your email discussing my dispute. Your email system doesn't allow me to respond to your message. I'm having to submit another compliant in your system. Experian purposely does this so the consumer isn't able to respond, and steal their money. Not everyone is able to afford to sending correspondence back and fourth through the mail. Experian takes advantage of people doing this. 

In your letter your state. " We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. " I am disputing the following item appearing on my credit report along with specific reasons for the dispute thereby I am asking this to be removed as set by law. Please do not merely contact the company electronically without providing a copy of this correspondence and getting all relevant information. Please note that I need this account corrected in order to qualify for a home loan. 

If the company furnishing this account information informs you that it is reported accurately please provide me with all the documents that prove that the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including the name, address, and telephone number of the furnishers contacted. 

It is clear to me that you are required to " maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on a consumer is reported it is complete and up to date. '' Please complete your investigation in 30 days as permitted by law and email the results to me, and if not resolved I will have no other option to hire a law firm enforcing consumer rights under 15 USC. 1681 et seq. On my behalf to seek all possible remedies and damages associated with trade and commerce, FCRA, and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

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 2022-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
They keep reporting balance decrease and balance increases on my credit report. Showing balance decreased by so so and yet I didnt make any payments. & then following month they increase by that decrease to hurt my scores. 

Currently I also paid off a few loans and they still have it showing as open with balance. I disputed with the credit bureaus and they kept sending info that the information is correct. They arent updating to credit reporting agencies correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Accounts Appeared on my Business 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 explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX  XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I lost my phone, and there were unauthorized charges to my account, totaling to {$5500.00}. I called & reported it to Wells Fargo bank as soon as I noticed on XX/XX/XXXX & my claim was denied XX/XX/XXXX. No one ever called me from the claims department during of the investigation & they closed the claim.

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. 

The account is XXXXXXXX XXXX XXXX XXXX. 

I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX of this year I hired XXXX XXXX XXXX to embroider shirts for me in which they shipped back 38 % of my order damaged when their terms & conditions claim not to be responsible for UP TO 3 % of spoilage ( which is an industry standard ). When I confronted them via email I was offered a discount on my next order or a reproduction to replace the damaged batch while stating there are no guarantees itll come out correct. I didnt get what I paid for nor resolution so I filed a chargeback with Capital One on XX/XX/XXXX. Capital One didnt ask me for proof, just took my word & filed the case which I thought was efficient. However, on XX/XX/XXXX, they closed my case after receiving the bare minimum of a rebuttal from the merchant & never reached out for me to provide proof for my case. I then called them & set up an opportunity to prove that the claim was valid with XXXX pages of documents, emails & pictures ( which I still have & can provide ) on XX/XX/XXXX. I was sent a notification the next day via email stating that they cant help me & to settle with merchant who already didnt offer me anything which is why I went the route of a chargeback to begin with. Capital One has been a nightmare for the last past months. Not only do they not tell you when your APR is set to kick in so they can steal hundreds from you, but their customer service is apathetic towards helping resolve those issues as well as major issues protecting cardholders from getting swindled as I did here. Ive had XXXX XXXX for years & never had an issue with them. I opened this card to use as a business card but am looking to clear it up & close it ASAP & keep my business at XXXX where customers are actually valued & protected. In summary, CapitalOne is a fraudulent company disguised as a legitimate credit provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : the following accounts : XXXX  XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance Owed : {$1300.00} ;

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 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I have XXXX accounts which initially were with XXXX XXXX, but they unfortunately sold these to Servis One , Inc dba BSI Financial Services NMLS # XXXX : XXXX. Acct # XXXX is a XXXX XXXX loan that has been paid in full with proceeds from my XX/XX/XXXX refinance. BSI refuses to send my {$230.00} escrow balance refund as they want to withhold it for another 30 days before refunding it to me! Ive never had any lender do this when I owed my escrow balance after a payoff! 

XXXX. Acct # XXXX is an UNSECURED loan which they received a {$6700.00} payment via US Mail on XX/XX/XXXX, but refuse to apply it to my account. The balance was {$6600.00} as reflected on BSI XX/XX/XXXX statement, attached. BSI is clearly overpaid. They called today, XX/XX/XXXX, informing me my account is past due! After spending several hours on two calls today, I learned that they did not apply the {$6700.00} to my account because I didn't request a payoff amount!!! Ive never heard of this practice! Further, they want me to pay an additional {$170.00} for " release fees ''!! This is outrageous! They said they would return the check -- further delaying this payoff! The {$6700.00} check is currently sitting in their bank account collecting interest for themselves, Im sure. Very unethical not to apply the payment to my account since receipt of it on XX/XX/XXXX! This is an UNSECURED loan! There should be no recording and no XXXX involved, so absolutely no fees should be charged to pay off this loan! In fact, my lender never saw this unsecured loan on my credit report nor my title report -- they had no idea it existed! It was I who kept telling my new lender that I have TWO BSI accounts. When my new loan funded on XXXX XXXX, XXXX, my new lender immediately wired the payoff payment for Acct XXXX ( Title I loan ) which included NUMEROUS fees BSI charged to release that lienand as for this second UNSECURED loan, the {$6700.00} check was mailed since it is NOT a secured loan. 

BSI needs to be investigated for withholding payments, charging late fees, and all sorts of ridiculous unnecessary fees. I feel this institution is unfair, dishonest and unethical. I can't trust them. I have over a dozen creditors and many are paid via XXXX XXXX XXXX XXXX ( mailed checks ) and NONE of my creditors claim to receive my payment for almost a month since XX/XX/XXXX! Ive had to pay BSI late fees for several months on both of my accounts. Multiply that by the hundreds of thousands of customers BSI is doing this to and blaming the US Postal Service. Interesting how with the large {$6700.00} payment, they were able to receive it in just over a weekand not a monthas they have been claiming with my previous payments. BSI is now messing up my credit report and delaying my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. The account is XXXX XXXX  # XXXX. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from 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 2022-03-23 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: TX

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$95.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$21000.00}

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 2022-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX  XXXX  XXXX Balance Owed : {$170.00} ; XXXX/XXXX  XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, Capital one sent me an email informing me that my account was being closed and that my money would be transferred to an external account. After a month went by, I filed a complaint because they were still holding my {$4500.00}. They responded that they wouldnt transfer it until all disputes were closed. All disputes have been closed and they are still holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Granite Edvance Corporation
State: NH

Complaint narrative:
My student loans were held with Granite State Management and Resources in the State of NH. In XXXX of XXXX I had corresponded via email ( I have the emails ) regarding my loans that were about to go into default. I was unaware that had been the case as I'd been going through a very difficult divorce in all of XXXX and into XXXX as well. My understanding was my loans were at that point placed into forbearance and I didn't hear from GSMR again after that. In XXXX the pandemic hit and these loans qualified under the Pandemic relief or Pandemic forbearance. Again, i heard nothing from GSMR during all of XXXX and most of XXXX. In XXXX of XXXX, suddenly my credit report took a hit and when I looked at the details, i noticed a company called " XXXX '' had listed my loans in collection. I thought, that can't be right and proceeded to spend from early XXXX to present calling back and forth between GSMR and XXXX to understand why loans that are under the Pandemic forbearance had suddenly been placed into collection in XXXX of XXXX. I made it clear that I knew my loans qualified, even though most of the phone calls with GSMR they tried to state they didn't qualify. I let XXXX know that they legally couldn't place my loans in collection and had to remove them and to which they told me that they weren't a collection agency, even though when you call them, they have a script they read about the call is recorded and is for debt purposes. I'm literally trying to have these loans removed from collection and delinquency on my credit reports and to have Trellis NOT violate the XXXX loan moratorium and place my loans back in the forbearance that they are supposed to be in per President Biden. I'm at the end of my rope here and ready, but not wanting to call a lawyer. It's affecting my credit and so is thinking that my loans were in forbearance according to GSMR back in XXXX, but it doesn't sound like they ever placed them in forbearance. I need a lot of help to get these loans rightfully placed in the pandemic forbearance that they should be in and my credit score to improve as a result. 

I filed disputes with XXXX. XXXX and with XXXX and explained all of this as well and XXXX and GSMR are not complying with those credit bureaus. I contacted the NH XXXX 's office which recommended hiring a lawyer. Should i have to pay a lawyer to get my student loans in their rightful place per a federal student loan moratorium? This is utterly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I bought a vehicle in 2018 from XXXX XXXX. While driving the vehicle for less than a month we discovered that the vehicle was infested with roaches so we allowed them to pick it up. Im sure this company sold the vehicle to someone else. They have yet to provide paper work that shows what it would for and the balance owed after the sale. It continues to report falsely on my credit report and if like it to be removed. There is no way this is legal to sell someone a car infested with roaches.

Company response to consumer: Closed with explanation