vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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: OH

Complaint narrative:
i was denied an apartment because of wrong information reported on my XXXX  report and Experian credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency national credit and they stated i owe nothing i noticed that they have a XXXX XXXX that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX  and experian three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MT

Complaint narrative:
I have a student loan that I've been paying off since XX/XX/2007. I've never missed a payment. It was a 15-year term. I just got a message stating that a " periodic review '' ( which hasn't been done in at least 3 years ) discovered I have 4 months to pay the remaining {$2400.00}. 

This takes my monthly payment from {$75.00} to nearly {$600.00} for absolutely no good reason. I have followed their payment schedule, which apparently was not calculated correctly. 

I called Nelnet, no justification given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200  or 100 which are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are 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 2020-09-25 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: Valentine and Kebartas, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX sent Valentine and Kebatas at XXXX XXXX, XXXX XXXX. to threaten to take away my SSI benefits but I only get {$520.00} a month and XXXX from an accident and in XXXX XXXX on XXXX XXXX after two XXXX  both XXXX  and XXXX. My last XXXX  was XXXX and I am still not healed from that one. I read that SSI can not be garnished but they are persisting at XXXX XXXX XXXX calling me day and night threatening to sue me and garnish my SSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an Experian account. I can not use it because the site sends me into a continuous loop and there is no one to answer the phone or speak to about it. Because of this I can't cancel or delete the account and set up a new one, so I'm completely locked out. They are an awful company with lousy service and it's impossible to get a 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 2020-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: MO

Complaint narrative:
The Lending Club has destroyed my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
XXXX, our homeowners ' insurance company, issued a check dated XX/XX/XXXX for {$6400.00} to us and the holder of our Note, XXXX XXXX. After XXXX 's attorney gave us the address, we sent it to Select Portfolio Servicing per her instructions, on XX/XX/XXXX. I received no response and called to find out the status in late XXXX. No one knew. On XX/XX/XXXX the check expired. On XX/XX/XXXX, Select Portfolio returned the expired check to us, saying that it must be issued to SPS, as XXXX is the " prior mortgage company '' although XXXX is the Plaintiff in a foreclosure action against us. On XX/XX/XXXX XXXX reissued a check to us. Since this check never arrived, XXXX reissued another on XX/XX/XXXX. I sent this check to SPS. Payment was stopped on this check when SPS said it did not arrive. XXXX issued another on XX/XX/XXXX which I sent to SPS. I then called SPS. I was told that no inspection was needed as it was a private insurance check and that it would be indorsed to us shortly. On XX/XX/XXXX, XXXX, I received a letter from SPS dated XX/XX/XXXX saying we need an inspection, a worksheet, the endorsed check, a signed contract/proposal and a waiver of lien, among other things. The check was enclosed, and we signed it and returned it. I called again, and this time was directed to call the XXXX attorney 's office as the mortgage was in foreclosure. The attorney had no idea what I was talking about when I discussed the insurance check and problems. I called SPS again. I was told that none of the items in its XX/XX/XXXX letter were necessary because the claim was not being paid by SPS 's insurance. No one knew where the check was, but I was directed to a site for collections. On the company collection website, it appeared that whichever division this is believes that the payment is coming from SPS 's insurance. On XX/XX/XXXX, XXXX reported that SPS had cashed the check. I called SPS and was again directed to call the attorney for foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Hi, I have tried to resolve this matter with this company Phoenix Financial Services LLC, asking them to verify this incorrect information that they are reporting to All 3 credit bureaus in my name under my SSN to XXXX, XXXX XXXX, and XXXX. The company has not responded, after I have followed all the guidelines to get this matter resolved. They are reporting and they claim that I owe a balance of {$44.00} opened on XXXX. This information is not correct. Please note that I have asked them to verify this debt by sending me information that bears my signature to prove that this is a debt that I owe, they have failed to do so. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
I would like this information removed from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: LA

Complaint narrative:
Ive contacted trans union multiple times trying to see why my score dropped 53pts with no negative impacts only positive impact Ive paid everything on time 100 % thats Ive been doing for years keep my credit cards under 30 % utilization. They sent me my credit report and all positive impacts on there. They still cant give me a reason on why it dropped told me contact other places it dropped on as credit wise n XXXX XXXX they also only had positive impacts at the time and told me Ill have to contact transunion did again and was samething no reason why it dropped basically have me running around in circles. I think honestly because Im XXXX American that Im being discriminated against feel as if they are trying to hold me back

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 2020-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: LendingPoint Holdings LLC
State: MO

Complaint narrative:
The company Lending point only requires a XXXX score my score is a XXXX points higher and they declined me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent the following letter to Equifax -- -- this debt is outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX   XXXX  XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 4. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
These accounts were created without my consent. I did not authorize any of these transactions. 

DSNB MACYS Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX  Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} 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 2020-09-26 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:
when i reach out to experian and XXXX  about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to 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 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NC

Complaint narrative:
I received the Netspend All-access debit card which I never applied before. Card number, valid-through date, cvv, and my name are on the card. Even account number and routing number are on the welcome letter. I called the customer service of Netspend, they admitted that I didn't apply for the card and that I would have a new account once I activated the card. It's so tricky that they sent the card which are identical to the genuine debit card yhen they can chage fees after people who don't know the trick and activate the card. My personal information is also leaked.

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 2020-09-26 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Please reference the Mastercard Dispute Resolution Management COVID-19 Guidelines dated XX/XX/XXXX XXXX attached. Please see page 4 question 1. 
This is my dispute. 
XXXX cancelled my trip XX/XX/XXXX. Services were not rendered. Merchant was unable to provide services and is now out of business. 
I contacted the resort and the room was cancelled by XXXX. I contacted XXXX XXXX and the refund for the flight was refunded to XXXX and we have not received any money back. 
The charge was XX/XX/XXXX for {$4300.00}. 
I have been in contact with Citi Bank and continue to get no resolution since XXXX XXXX. I have filed 2 disputes and still no refund.

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 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co
State: MI

Complaint narrative:
I am filing a complaint against this company because they are reporting this account on my credit report that was opened fraudulently in my name. This fraudulent account is preventing me from obtaining a home loan which I am currently under a purchase agreement contract that expires on XX/XX/2020. If this contract expires and I don't close on the loan by XX/XX/2020, my Earnest Money Deposit will be forfeited. I am hoping that it does not result to that because I can't afford to loose money especially during this pandemic. I am simply asking for this company to investigate this fraudulent account and have it removed from my credit report immediately and within a reasonable time. This is now my 3rd time trying to get this account resolved by this company. If this is not done in a timely manor and I am forced for forfeit my Earnest Money Deposit because this company didn't remove an account from my name that was opened due to identity fraud then I will be filing a lawsuit for negligent enablement of identity fraud and for the damages I have incurred. I have filed an identity theft report and requesting the removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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:
when i reach out to XXXX  and equifax about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: LEXISNEXIS
State: TX

Complaint narrative:
when i reach out to XXXX  and XXXX  about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : TransUnion 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 explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX has reported a derogatory item on my credit reports. The claim I owe them {$2900.00} on an account that I have no knowledge of. I never had service or an account with this company. I disputed this account with the credit bureaus and they refuse to take it off of my report ... .claiming that it met the FCRA requirements. This is not true. I reached out to XXXX With a complaint and they said that they have no record of me at all in their system. Yet the credit bureaus continue to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  XXXX  Equifax

Company response to consumer: Closed with explanation