vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In 2019 XXXX is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After reviewing XXXX correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After reviewing XXXX  correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXX. 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.

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 2023-04-14 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: FL

Complaint narrative:
Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/, I initiated a balance transfer of {$2500.00} from my Citibank Simplicity Credit Card to my XXXX XXXX XXXXXXXX Credit card. However, I put the wrong numbers on the balance transfer form. On the second set of 4 number I put two XXXX XXXXs instead of two XXXX  's. Citi found the error and explained it to me. The representative said the money would be back on my card in 3 business days. That didn't happen, so I enlisted the help of XXXX XXXX  XXXX to help me fix this on XX/XX/XXXX. Citi opened an investigation and gave it a reference number XXXX. After two more investigations, and another trip to XXXX  XXXX XXXX on XX/XX/XXXX for their assistance, Citi said they would expedite this and I would have the credit on my card in 48 hours. Instead, I got yet another letter saying the balance transfer was sent sucessfully to a XXXX XXXX account. I never heard of XXXX XXXX, and they don't want to talk to me because I have no business with them. Many phone calls later, I'm no further getting this resolved, and I'm paying interest on money I don't have, not to mention what it's doing to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: NY

Complaint narrative:
After noticing an erroneous debt appearing on my XXXX credit report in XXXX I called the name of the firm on the report Vance & Huffman, L.L.C. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with XXXX and the derogatory reporting still remains. Apparently XXXX made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank c/o Paypal Credit Account XXXX XXXX XXXX I mailed to Synchhrony Bank c/o Paypal Credit a money order that had accord and satisfaction verbiage for the alleged debt. The United States Postal Money was cashed which is indication that Synchrony Bank c/o Paypal accepted the new terms of the agreement by cashing and satisfying this alleged debt. The company is continuously reporting and open balance for this account. In addition, the company is reporting that this account has been late 30 days which is false and deceptive. I have never been late on this account.

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 2023-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a bankruptcy that was XXXX by the court in Indiana 2 years ago and it is still showing on my credit report which is causing XXXX XXXX to deny my application for a card.

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 2023-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TN

Complaint narrative:
Money Market account was advertised with an APY of 3.50 % but I am getting 0.01 %. Went to the bank on XX/XX/XXXX for this rate, called on XX/XX/XXXX to say I did not receive the rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I HAD 2 TRANSACTIONS UNAUTHORIZED ON MY ACCOUNT. 
XX/XX/22 - {$1000.00} - XXXX XX/XX/22 - {$2500.00} - XXXX THE TRANSACTIONS LISTED ABOVE WERE DONE WITHOUT MY PERMISSION, AND I WAS NOT INVOLVED IN ANY WAY WITH THE TRANSACTIONS. 
THIS WAS A FRAUD. 

ACCORDING TO THE BANK 'S CORPORATE POLICY I AM NOT LIABLE FOR TRANSACTIONS I DID NOT AUTHORIZE. 

I CONTACTED WELLS FARGO, THEY GAVE ME A CASE ID XXXX - I HAD TO FILE A LETTER OF APPEAL, AND THEY ARE TAKING FOREVER TO REFUND MY MONEY.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After noticing an erroneous debt appearing on my Experian credit report in XXXX I called the name of the firm on the report XXXX XXXX XXXXXXXX XXXX. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with Experian and the derogatory reporting still remains. Apparently Experian made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Why does the interest rate keep going up? I thought the interest rate stayed the same because it was a student loan. I can't afford to pay this steady increasing interest rate. Also I thought this loan was supposed to be discharged because of illegal practices of XXXX XXXX XXXXXXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT XXXX XXXX  WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM XXXX XXXX CREDIT CARD AND EXPERIAN STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE XXXX XXXX CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.

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 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Good Morning..my dears at Consumer Financial Protection Bureau.. greeting XXXX I'm the beneficiary of the judgement at the Superior Court XXXX XXXXXXXX XXXX XXXX XXXX State of Arizona XXXX XXXX Due since XXXX XXXX, on XX/XX/XXXXXXXX  I notified ( SANTANDER Consumer USA ) customer Service That they need to send me Title my vehicle CA license Plate No. XXXX, since It has been paid off, also They need to pay me the rest of my judgement XXXX or I will Put liens hold on their banks Branches and subsidiaries.. 
Please inform CEO of SANTANDER Consumer USA And have them to send me My vehicle title CA XXXXthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I have tried repeatedly over the last few months to have PMI removed from my mortgage payment, but the lender has made this process extremely difficult to complete. Most recently, I spoke with my mortgage servicer, XXXX XXXX on XX/XX/23 to pay for an updated appraisal on my property. On that date I spoke with a representative who took my bank account information and informed me that a draft of {$190.00} would be made to pay for the appraisal. 

When I called back on XX/XX/23 I was informed that the representative had never completed the payment process and that I would need to go through the payment process again before the appraisal could be scheduled and completed. This has led to a delay in having PMI removed from my mortgage payment and resulted in having to pay this fee for an additional several months.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT COLLECTION SERVIC, CREDIT COLLECTION SERVIC to include the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation