vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: MA

Complaint narrative:
Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that Equifax ; transunion and experian actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!

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 2020-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My wife and I are both unemployed we ask for a forbearance which was grant for 3 months. After these three months we where still unemployed and ask for an 3 months forbearance or at least another three months forbearance which we where declined. They sent us a bill to start the repayment it went from {$800.00} to {$1000.00} according to the Care Act they are not suppose to up our bill. I can not make the payment and need help but they refuse to do anything to help. All they did was tell us to stop paying any federal loans and pay them!! I dont have any federal loans!!! I need help not my bill going up. I want to pay my bill but I need some help right now which they are unwilling to work with people that have been impacted by Covid which we did not ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX LETTER OF REBUTTAL REF : XX/XX/XXXXXXXX XX/XX/2020 I dont agree with the outcome of the billing investigation on account ending in XXXX for the charges, associated with Amazon including but not limited to {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00}. 

During the period of XXXX through XX/XX/2020 Ive managed to place several orders via amazon.com. Among those there were 6 items Ive had to return due to incorrect website description in fact they looked very different from what had been described on amazon.com therefore Ive requested a return for a refund completely withing Amazon Prime 30 days return policy. Request had been approved and RMA assigned. 
The items have been stored into 2 boxes and shipped via Amazon-issued UPS  return labels a ) XXXX ( delivered on XX/XX/2020 ) ; b ) XXXX ( delivered on XX/XX/2020 ). 


As of XX/XX/2020 both of the packages with 6 items included were successfully returned back to Amazons facilities, located in XXXX, IN & XXXX, KY, respectively. Even though the items were returned in timely manner and within Amazons terms and conditions, appropriate refunds werent issued, therefore Ive filed a billing dispute, which was rebutted by the merchant, claiming they didnt have any record of returns requested and never received any packages. 

In the attachment you would find Amazon-issued return shipping labels with references to the returns and RMA altogether with UPS-issued information, proving that the return was fulfilled. Therefore, Im kindly asking to reinstate the investigation and credit back {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00} to my Chase Freedom account. 




Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
Please investigate and delete the following disputed account : XXXX XXXX XXXX account 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 2020-12-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX I was shopping for a new vehicle and had reached to two local dealerships. On Saturday I contacted XXXX of XXXX and XXXX XXXX of XXXX. I contacted XXXX of XXXX that morning when I saw XXXX XXXX showing there was a hard credit inquiry from Fifth Third Bank. At this point I had not authorized any dealer to run my credit at any bank. I called Fifth Third that same day, XX/XX/XXXX and waited to speak to customer service. Once I finally got through the Fifth Third representative advised me that if there was an inquiry showing in error, because XXXX XXXX did not tell me anymore than that, I should call my bank for assistance. So Fifth Third although they were showing as the hard inquiry this rep told me to call my bank which is XXXX. So now I have a hard inquiry on my XXXX report from Fifth Third Bank that will be there for two years impacting my fico score. I would ike this hard inquiry removed as i did not authorize this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NJ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am not sure how or who got my information but it XX/XX/XXXX! I've never felt more vulnerable.I don't know how i can fix this situation but I will try my best. I submitted a complaint with the Federal Trade commission for starters.Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I have opened Citigold interest checking ( XXXX ) and Saving ( XXXX ) accounts and deposited correspondingly {$1600.00} and {$400.00}. Next day ( XX/XX/2020 ) for no reason my money were blocked and on XX/XX/2020 all my accounts were closed by Citibank. On XX/XX/2020 I received {$400.00} check from my closed Savings account but I'm still did not receive my {$1600.00} from my checking account. I spent many hours on the phone with Citibank 's customer service and I did go to the Citibank branch multiple times regarding getting my money back. Unfortunately nobody in Citibank can help me and I still do not understand how can I get my {$1600.00} back. 

I feel helpless and extremely dissatisfied with Citibank!

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 2020-12-31 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: FL

Complaint narrative:
Please investigate and delete the following disputed account : XXXX Credit Card account 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 2020-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have opened 2 complaints here for Wells Fargo Mortgage on my home. Both were closed without satisfaction. I am STILL having issues trying to set up the new mortgage for my home with Wells Fargo under their forbearance program. 
I started this in XXXX of 2020 and its now XX/XX/2020. 
Wells Fargo has had numerous people on my account and it keeps changing. Everytime I finally get someone and call them back I can not get a hold of them and find out the person has changed. I keep getting wrong information and told someone will call me back. Wells Fargo originally blamed the VA for not accepting the new terms of the agreement but this has been completed a while ago and my forbearance is still pending. Now they say because of Covid 19 they are back logged in cases.

Meanwhile they told me things like no penalties and no reporting but I have found that to be untrue. As a penalty I have not been able to use ANY of Wells Fargo programs such as refy or even auto payment setup. Nothing can be done with my acct and no programs can be used. I can't refy with Wells Fargo or even any other bank until they are done and they just wont comply with the VA rules for this " forbearance '' issue. This was originally suppose to take 1 month at the most and its been 9 months. When is it going to end? There is an asterix on my credit report that reads I am in a forbearance program but does not say I have " missed '' any payments ; only that I am continuing to " work '' with my lender to keep my acct current. According to other banks I tried to do a refy with, I can not refy until that reporting is OFF my credit report. 
The fact that I have opened 2 previous complaints here and nothing has been done even after those complaints should finally show everyone that Wells Fargo has not been complying to the VA 's wishes when it comes to faithfully helping veteran 's with their home mortgages.

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 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have paid all my medical bills thru co pays and insurance and i recently noticed that i have a collection on my report. I have tried to get the company to send me what its for but haven't received anything. and they have not removed it from my credit report when i've gone to the credit bureaus. Please help me get this 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 explanation
Consumer complaint received 2020-12-31 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: MO

Complaint narrative:
Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months 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 2020-12-31 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: FL

Complaint narrative:
Please investigate and delete the followwing disputed account : XXXX XXXX XXXX  account 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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer submitted CFPB Complaint XXXX through CFPB portal on XX/XX/2020 to Equifax that public record is reporting inaccurately across all three bureaus and provided evidence. Equifax responded to CFPB complaint XXXX on XX/XX/2020 stating that Equifax mailed results of an investigation and claimed that these investigation results should fix my credit issue. The public record is still being reporting inaccurately on credit report across all three bureaus. Equifax states that this is how the public record is reporting on credit report : US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX. However, on the credit report Equifax still reports public record with inaccurate court name US DISTRICT CT as of XX/XX/2020. ( Submitted comparison of how public record is reporting across three bureaus in a word document ). Equifax keeps stating in every CFPB Complaint that they are identifying their information with the data furnisher but the Fair Credit Reporting Act states that Credit Reporting Agencies should be conducting their own independent investigation. " 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Equifax is not following reasonable procedures to assure accuracy of the public record that they continue to report inaccurately on credit report. I have provided factual based information in this CFPB complaint. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurately and the same across all three bureaus. If it is not reporting 100 % accurately and the same across all three bureaus the public record must deleted for reporting inaccurately across all three bureaus via the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2020 I was unable to obtain free credit report from Equifax. I was also unsuccessful in placing a credit freeze with Equifax, today, as well as over the past three years. Equifax wants me to mail copies of drivers license, social security card and other documents ; with no guarantee of safety or access. The two agents I spoke to today said they could not access my account. This is just Equifax runaround way of making it difficult to obtain the credit report or to place a freeze. 
Their website indicates my account and personal information was impacted in data breeches, yet they want to be in possession of my personal documents to subject them to future breeches. I had no problems obtaining credit reports, and freezing my credit with the other 2 agencies. Equifax said they can not help me and do not care if I contact you. I have tried to resolve this issue with Equifax for three years. By making it difficult to obtain personal credit reports, they increase the chances of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report.XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  I, I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
Please investigate and delete the following false accout : XXXX  XXXX XXXX account 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 2020-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
My wife and I are both unemployed at the moment and we need a forbearance for three months or a payment plan that takes our payment down so we can afford to make the payment. On their website it say to contact them if your affected by Covid and to send a email to their support email. I have sent emails for 5 months now but they just close the email and never do anything to help!!! I have made the payments the best I can but now that unemployed is miss up we have no money coming in!! We have a XXXX XXXX XXXX that has no XXXX!! We are trying to keep food on the table!!! We have ask for help and I dont understand how you say you will help people with Covid but then do nothing! I feel this is a predator Loan and someone needs to look into this company!

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 2020-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
I have been dealing with ConServe for nearly 2 years. The debt was " paid in full '' and closed on XX/XX/XXXX. I also looked on my full credit report that showed ConServe illegally re aged the debt ( date of first delinquency ). XXXX  have XX/XX/XXXX while XXXX  and XXXX  has XX/XX/XXXX. This is unacceptable and it needs to be deleted off my credit report, so I can start rebuilding my credit. Attached will be a copy of my full credit report, ( look under date opened ), and the dispute letters sent to the 3 credit bureaus. 

Failure to due so, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: AR

Complaint narrative:
Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

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 2020-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I called PennyMac in XX/XX/XXXX about paying my XX/XX/XXXX mortgage payment late because of a family member issue with COVID-19. I ask to double my monthly payment including late fees with the XXXX XX/XX/XXXX payment. I was told " NO '', threatened by the customer service rep with PennyMac sending derogatory and negative credit information to all three credit bureaus. I paid my XXXX payment on XX/XX/XXXX which included the late fee and scheduled my normal monthly XX/XX/XXXX payment thru their automatic debit system. This mortgage company had no right to threaten to ruin my credit rating ; showed no compassion for me as a customer/consumer like all the other people currently going thru issues concerning COVID-19 throughout the XXXX. The consumer is dealing enough with anxiety ; fear ; frustration ; loss of jobs ; less money, and struggling to make ends meet during this pandemic. I can not believe that the government would allow creditors, merchants, and bill collecting agencies to profit by charging late fees ; making calls every week as PennyMac did to me while my payment was late in the form of telephonic harassment. My payment was due on the first and it is considered late on the XXXX of the month. PennyMac began to call me on the XXXX, and call every week thereafter, sometimes 2-3 times a day after the XXXX. My mortgage for XXXX was paid on the XXXX with late fees of {$32.00}. The circumstances of this pandemic should have given the average bill-paying consumer a chance to pay monthly what they owe without any extra charges of late fees and additional stresses. Government needs to monitor creditors of all kinds.

Company response to consumer: Closed with explanation