vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I applied loan to " Upstart.com '' and i was denied, and the reason i was denied according to Upstart was, " They are unable to verify my ability to repay the loan base on XXXX XXXX XXXX, The Disclosure to use my information that they obtained from an outside source which is from the consumer reporting agency as part of the considaration of my application. '' My question is how come the reporting agency disclosed wrong information to the Upstart.com that i dont have ability to repay? On my file in credit Bureau i have a late payment record for 3-4 months on my XXXX Credit card because that was COVID 19 but after 5 months i fully paid my XXXX credit card. I didnt owe even {$10.00} to any bank or company in the whole world. And why the Consumer reporting agency disclosed wrong to all company when they verify my credit, that i dont have ability to pay., that's why I never approved. And now i know the reason i always denied everytime i applied credit card or loans that because the consumer reporting agency disclosed wrong info, and that is against the Law. 
I always thinking why, how come i am denied, i dont know whats the reason. All my friends was always approved even they have negative report worse than my credit report. Pls investigate and remove it in my file the negative hidden words " I dont have ability to repay '' thats why i always denied on any loan application, they hide from me and they report it to any bank and company that check my credit files Please help me why they do it to me. Please investagate why? Its not fair, i am suffering. Im so sad, they abuse me. Why, i am not a bad person, never ever commit any crime in my whole life. Never ever went to the court even ticket problem. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: MN

Complaint narrative:
Key bank opened a checking account on XX/XX/22 with a {$50.00} deposit on my credit card. The next day Key Bank removed my access to the account stating that I need to visit a bank branch in person to regain access to my account. The nearest Key Bank branch is over XXXX miles from my house and I have no method to visit a branch in person. If there were account security concerns the bank should have told me before opening the account. 

I asked the bank to close my account and refund my {$50.00} credit card charge. The account was opened less than XXXX before I encountered the problem. Key Bank refused to close the account unless I visited a bank branch and said I would incur an early account closure fee. The Customer Support Manager I talked to on the phone, XXXX, hung up on me when I asked how to spell her name for this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 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: PA

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.P LEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I have purchased a used vehicle from a car lot that I shortly ( the next day ) experience a dishonest practice that left us out of pocket for {$500.00} in a car repair shop, lie about the car ever been reported to be in an accident, and the list goes on from there. 

Never the less, my issue today stems from the bank ( XXXX XXXX ) the dealer used to approved me at a time when I had XXXX credit. 
While I welcome the bank approval to purchased my vehicle, XXXX years into making payments on time ( $ XXXX monthly, on a {$18000.00} loan ), the loan in my opinion, is moving at a XXXX XXXX XXXX, currently owning just over XXXX XXXXXXXX. 

While I get that since back when I apply for the loan, I had not credit and the interest on the loan was extremely high, I have call and ask multiple times to understand why in the last XXXX years, the monthly principal has not moved from XXXX XXXXXXXX. I have also call to ask for refinance now that my credit score shows a high increase, but no refinance is offer. I have call and asked advised on how to make progress on lowering this amount, but the explanations are vague and do not provide any meaningful results. 

In short, based on my experience with the dealer who sold us the vehicle, I just cant help to feel distrustfull with the whole experience and I'm sorry to say this. 

I need a third party to oversee this loan and a senior advisor from the bank to offer better clarification as to to we can mediate this situation as I can not continue to pay XXXX XXXX monthly without seeing any result for a vehicle that every other month has mechanical issue stemming from the dealer cover up of used ( claim the vehicle was used by a private owner, when in fact, we found out, it was commercially leased by a delivery company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have recently started the application process to receive a mortgage relief grant through the XXXX XXXX XXXX  XXXX. However, I have been informed that my application can not be processed because XXXX is not currently participating in the program. 

According to program requirements, mortgage relief funds granted to qualified homeowners would be sent straight to their servicer to pay off delinquent payments. If a servicer is not participating in the program, the applicant is not eligible to receive these funds. 

I believe I meet the qualifications for the program and have all the necessary information ready to submit. However, without XXXX 's participation, this process can not be completed, and my mortgage will remain delinquent. I would like to request that XXXX contact the XXXX XXXX XXXXXXXX XXXX and sign up to participate so that I and many others can get their mortgage delinquencies caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I take issue with the handling of my student loans since i graduated from college back in XXXX. I write to request that you urge the XXXX XXXX to modify the XXXX XXXX XXXX XXXX ( XXXX ) program such that periods of full-time public service combined with periods of in-school deferment would count toward XXXX, regardless of whether payments were made during those periods. 

Please consider the grounds upon which I issue this request : I have worked for public institutions in higher education since XX/XX/XXXX. When I began my employment at a university I called FedLoan Servicing regarding beginning my payments and was told that since I was a student it would be pointless to begin paying my loans since it would not count toward forgiveness. During this time I was only making around XXXX XXXXXXXX annually and would have qualified for XXXX XXXX monthly payment. Since that time I have consistently worked and gone to school full-time and have been told over the years that it would be pointless to go into repayment since I was a student. At XXXX point I was informed that since I so many loans if I began making payments some of the loans would not be eligible for repayment so I needed to wait until my degree was confirmed to begun payments on them so that they would have the same payment counts. Upon graduating in XXXX my payments began and my count began.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I'm XXXX XXXX the consumer and natural person acting on my behalf. No third party is involved. Capital One is reporting negative information on my consumer report without my written consent pursuant to XXXX XXXX XXXX. I have a right to privacy pursuant to XXXX XXXX XXXXXXXX ( XXXX ). 
Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) - exclusions - report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning my credit card utilized and payment history are not to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have an enclosed copy of the XXXX XXXX. Please remove the items as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have an enclosed copy of the XXXX XXXX. Please remove the items as soon as possible. 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 2022-02-24 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: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
I have contact all credit bureaus and submitted disputes and nothing gets fixed I called the company of the inquiry and they tell me they never ran my credit I need this addressed. Multiple disputes I've placed and nothing gets resolved with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
XXXX XXXX BANK WAS CLOSING MY CHECKING ACCOUNT ON XXXX. ON THAT DAY XXXX PRINTED A CASHIERS CHECK IN THE AMOUNT OF {$4600.00} WHICH WAS MY CLOSING BALANCE AT THAT TIME. XXXX THE BANK MANAGER IN THE DOWNTOWN LOCATION INFORMED HER THAT SHE WAS NOT TO SEND MY CASHIERS CHECK OUT BECAUSE I STILL HAD WITHDRAWLS AND DEPOSITS COMING IN AND OUT OF THE ACCOUNT. ON XXXX THE BANK DEPOSITED MY CASHIERS CHECK OF {$4600.00} AND THEN IMMEDIATLEY FORCED THE {$4600.00} OUT OF THE ACCOUNT. NOW I WAS TOLD THEY DEPOSITED MY CASHIERS CHECK OF {$4600.00} TO COVER TRANSACTIONS COMING OUT OF THE ACCOUNT. NOW IF THE MONEY IS TO COVER TRANSACTIONS WHY WOULD THEY NEED TO FORCE DEBIT THE MONEY OUT, IT SHOULD HAVE BEEN DEPOSITED AND THEN TRANSACTIONS WERE TO COME OUT. WITH ANY BANK WHEN MONEY IS DEPOSITED IN THE ACCOUNT, THE BANK DOES NOT FORCE DEBIT IT OUT YOUR ACCOUNT FOR THE EXACT SAME AMOUNT. THE BANK HAS TO SHOW WHY IT WAS FORCED OUT AND WHAT TRANSACTIONS IT COVERED. THE TRANSACTION DOES NOT SHOW IT WAS COVERED JUST THAT IT WAS A DEPOSIT AND THEN A FORCE DEBIT. I'VE ATTACHED SUPPORTING DOCUMENTS WITH MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
I have contact all credit bureaus and submitted disputes and nothing gets fixed I called the company of the inquiry and they tell me they never ran my credit I need this addressed. Multiple disputes I've placed and nothing gets resolved with credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
I have a company name AFNI a debt collector company I agreed to settle less than the amount on the account & I paid this amount off in XXXX & they refused to removed their information from my credit profile!! I event sent the letter to the credit bureau showing I paid off this debt collection, All XXXX credit bureaus didn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting that all of my personal credit information According to consumer law 15 USC 1681 a, and 15USC 6802 by law none of my personal, address, financial, credit, information shouldnt be reported by third party companies, Congress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo bought my loan from XXXX XXXX XXXXXXXX and unlawfully released a payment to better mortgage that was not permitted by me XXXXXXXX XXXX has waived any loan transfer fee in written communication and Wells Fargo took it on itself to release my mortgage payment to better and thereby defaulting my payment. 

On calling several times and asking to speak with escalations team I have been unsuccessful and hence need legal intervention.They have hung up on me and the escalation manager never returned my calls over a week 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 explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
XXXX XXXX has never updated correct amount after receiving payment from.XXXX XXXX  of the prorated payments. This declares this as an inaccurate amount on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an American Express Card through XXXX XXXX. I was super excited to have this card. My application did not mention the annual fee and for both cards one was {$690.00}, and the other card was {$170.00} totaling {$870.00}. I did not order a second card I am only one person. These charges were not disclosed to me at the time of application and immediate acceptance.

I have spoken to American Express, and they are cancelling the card and charges. However, this is an unethical practice.

I am seeking damages as this cancelation will cost me point on my credit score. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
I sent letters out to the Dept Of ED Navient / Aidventage & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
On XX/XX/2021 an account with the name of RECEIVABLES PERFORMANCE is reporting a negative balance of {$720.00} to XXXX XXXX XXXX of which I do not owe. I have never owed that company anything. This is harming my credit and I am unable to continue having a good future because of 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 explanation
Consumer complaint received 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has never updated correct amount after receiving payment from.XXXX XXXX  of the prorated payments. This declares this as an inaccurate amount on credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
XXXX XXXX has never updated correct amount after receiving payment from.XXXX XXXX  of the prorated payments. This declares this as an inaccurate amount on credit file.

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