vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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:
Since XX/XX/2020 I have not been able to see a full credit history inside the " My Equifax Account. When I log in there is no history at all. no installment, no revolving, nothing and shows to this day my credit score from XX/XX/2020. It has not updated the score and tells me I have no accounts. 

So finally after 4 months of getting the runaround by the people who just answer the phone. They tell me the system is updating, please try later. I have made too many calls to them and i end up after 2 hrs still no one can tell me where all my credit history went. I contacted them in XXXX and got the same runaround. Tell them whats going on and they ask for identifying info then say, we have escalated this to another department and someone will be in touch within 48 hrs. Well 3 weeks is not 48 or even close to 48 hrs.Still no word of where my credit history went and when this will get fixed. I have reported this for 5 months. I have had Identity theft issues and i was wanting an extended fraud alert but with no history showing and can't even get anyone to actually help me I cant get this done. So this is where I'm at 5 months almost 6 months later. NOWHERE! Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with XXXX  the same day. On XX/XX/20, XXXX informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 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 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Krakens ( Payward , Ltd. ) transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Krakenpayments that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated byXXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amountof XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed adispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I would like to bring your attention to a serious issue I have with Kraken transactions that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company.

The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed a dispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I contacted BMW Financial over a month ago regarding account. I also contacted XXXX, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/2019 I sent a letter to Pentagon Federal ( XXXX  ) to remove a fraudulent account from my XXXX  Credit Report, but they never did. Also I did not received an answer. I live in XXXX, XXXX and I believe someone, with the following address ( which also appears in my credit report, and is not mine ) : XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX Use it to open an account in my name in the above mentioned institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, XXXX, and trans union regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed 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 2020-10-30 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: GA

Complaint narrative:
I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, equifax, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: GA

Complaint narrative:
I contacted XXXX XXXX over a month ago regarding account. I also contacted Experian, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed 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 2020-10-30 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: DISCOVER BANK
State: WI

Complaint narrative:
Discover card will not refund my account for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I co-signed on the loan to help a friend in XX/XX/XXXX. When I co-signed I was assured by the financing company that I would only stay on the loan for 6 months. The car company explained that I were only needed to lower the interest rate & that I would be removed from the account. They never removed me but I also had no knowledge that they didnt remove me until the repossession of the car. My friend told me that she called them & explained her situation with finances. They assured her that they would work with her. The car started breaking down but the company refused to help get it fixed & the car was still under warranty during this time frame.

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 2020-10-30 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: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
On all 3 credit bureau reports, Lobel Financial is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to Lobel Financial and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". Lobel states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from Lobel so my concern is the company is not reporting correctly. I do not know what to do from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the debt owed with the company as well as with TransUnion. I submitted the FL Statutes regarding withholding rent for repairs. I served notice to XXXX XXXX advising rent would be withheld if repairs were not made. In addition to that I lodged a complaint and someone same out advising the company they were required to make the repairs. When the repairs were not made I exercised my rights and withheld rent. Eventually I broke the lease, also within my rights, because the repairs were not made and the apartment was uninhabitable. I complained to the State Attorney General 's Office and received an email advising they reached out to the company regarding my complaint but received no response. I do not owe XXXX XXXX. I moved out and I do not owe unpaid rent because I exercised my rights after they failed to make repairs timely. I moved into another residence and started that lease the end of XXXX beginning of XXXX. As retaliation they immediately placed this on my credit report. No one contacted me saying I owed anything to allow me to respond. Instead this was placed on my credit report and has remained on my credit in error causing me to be denied credit in error.

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 2020-10-30 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: FL

Complaint narrative:
On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with Experian the same day. On XX/XX/20, Experian informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 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 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
The servicing was transferred from XXXX XXXX to specialized loan servicing XX/XX/2019, their billing was false I informed them but they refused to correct or address the issues : they made adjustments to the account when I asked why they would not tell me, they kept the adjustments concealed for 9 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 2020-10-30 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: TX

Complaint narrative:
On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from 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 explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from 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 2020-10-30 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: VA

Complaint narrative:
I've contacted you in XXXX as well as in XX/XX/XXXX about erroneous and inaccurate information on my credit report. I've asked that you thoroughly investigate and provide me with the method of your verification, yet you refuse. 

I do not recognize these creditors or the amounts they say I owe. Since you are reporting this information, per FCRA you should be able to tangibly verify that what you're reporting is accurate. Yes? Well I asked for your method of verification per FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute I previously sent about " XXXX XXXX XXXX and " XXXX XXXX. 
You did NOT provide me with this information which leads me to believe it was NOT investigated, but responded to by e-Oscar, the grouch. Therefore it should've been deleted There is no information as to what the balance is from or for on my credit report as you can see on my screenshot, so before I pay a company I need PROOF I owe what they say I owe and i do not recall doing business with XXXX XXXX. Therefore I need to see the agreement I signed saying I agree to pay them and for what product/service. 

I asked you to stop reporting XXXX XXXX XXXX. This account is unknown. I asked you to provide me verifiable proof or to delete this unknown unverifiable account. why are the XXXX inaccurate? You ( Experian ) report XX/XX/XXXX XXXX reports XX/XX/XXXX. 

You continued reporting the account without sending me proof that I owe this creditor. And what's worse ... I dont even know who this is! Yet this unverifiable account continues to report different dates last active!! THIS IS A VIOLATION!

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 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed and see no changes. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: GA

Complaint narrative:
SUBMITTED ON XX/XX/XXXX : XXXX XXXX XXXX PAYMENT STATUS UNKNOWN. LAST REPORTED XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE LAST ACTIVE XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE OF LAST PAYMENT XXXX  XX/XX/XXXX, XXXX  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 2020-10-30 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: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my XXXX  report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my Equifax report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on Equifax

Company response to consumer: Closed with explanation