vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 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: TX

Complaint narrative:
I actually would love it if we were able to select more than one option on the question what problem are we having. I have several 1 ) Equifax incident was in 2019, i filed all requested and required documents to be reimbursed as per the instructions. I have yet to get any kind of response on that. No reimbursement, no identity security, not a call or a letter back nothing 2 ) it took me several attempts over the course of two months accumulating 7-10 hours on the phone to get through their faulty phone system, sit on several different periods of random holding for extremely lengthy periods, to finally reach a human to unlock my account on their site because they stated I answered the questions wrong. After I finally gained access I began the long uphill battle to try and correct my report on Equifax because it is beyond screwed up. Still not done with this process.

3 ( tried to request my free credit report, and was again locked out of their site and my account because they said I answered questions wrong but their identity verification questions included accounts I never had! How can I compare and correct my report if they keep locking me out and making it impossible for me to see all the details?

This process and system have become unacceptably inconvenient and frustrating, not to mention it's all because they crowned themselves big brother which essentially makes them the biggest scariest most invasive stalkers of all time. How is these business or practices they " instituted to keep citizens safe '' be legal when they are the reason hackers are targeting our info to begin with. They made up their service way back when they convinced a few key monety lenders and banks that they knew everything about everyone and it was just silently accepted as fact. They aren ; t the government they have no legal powers they NEVER asked for my permission to collect personal and sensitive information about me yet I am not allowed to remove myself from their databanks??? how fair is that? how can that be legal?

So again, for the third time this year, since they the all powerful credit watchers have the WRONG information, and apparently can ; t be bothered to hire enough people, or invest in quality management of any kind, I have been locked out of my account again, and have to go through the circus of trying to get a breathing human on the line to help me since you can't unlock it yourself or request a reset even. This company has cost me way too many hours of my life already I demand change and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System at XXXX XXXX XXXX XXXX, XXXX, Ga XXXX has been sending me collection notices in the amount of {$3900.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
When loan was negotiated to be settled, it was done with a balance that miraculously took a {$1300.00} dive shortly after negotiations were done. Now, since Santander doesn't seem to have the ethical fortitude to reach out n revise the settlement based on the money they received for a policy that should've been refunded over a year ago, I am stating the current settlement agreement is fraudulent as it wasn't renegotiated once santander put the {$1300.00} as well be shown by the acct screen shot attached ( which will show this transaction was done 4 months n 8 days prior to the attached settlement date )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For starters, I tried to fix this initially through Transunions website, but it does not give you an option to dispute their scoring.

Unfortunately, the bureaus and consumer finance is hearing more from me, but all for good but unnecessary reason. My complaint is against Transunion ; They lowered my credit score by 18 points after two negatives came off of my credit and one positive was added ( decrease in balance ). How does the score go down? This is absurd!!. Now, the issue I also have with this was the last time I had to complain about the bureaus scoring, when they made the correction they did not add back the same points that they took away..and no other change had affected my account. I am actually in the process of making a purchase and the financer uses Transunion. I told them what the score was, but soon we will have it officially pulled and what's there now contradicts was their. Now, based on these trends I would like to know what exactly does Consumer Finance do as far as monitoring credit bureau behavior? Are you investigating this scenarios thoroughly, is it happening to a specific type of consumer or persons? Are you seeing trends growing similar to these?

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 2021-09-12 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: GA

Complaint narrative:
I filed a complaint against TRANSUNION because they currently have INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX. 

XXXX SUBMITTED ON XX/XX/2021 TRANSUNION responded XXXXhat it will use the same false unlawful information from the same furnisher instead of looking at ALL THE ATTACHMENTS I SUBMITTED WITH MY DISPUTE, thoroughly examining my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

TRANSUNION has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file, which a THOROUGH EXAMINATION OF MY SUBMITTED EVIDENCE WOULD REVEAL but TRANSUNION never examined my evidence and instead relies on the same false information from the same furnisher. 

Whats the point of disputing directly with them then? Ive disputed via certified mail and fax and phone and online!! Yet, TRANSUNION relies on the same furnisher for the same false unlawful information about my account! 

Instead of looking at ALL the proof I sent and deleting XXXX unlawful reporting, TRANSUNION tells me it will obtain the same false information from the same furnisher.

This behavior is ILLEGAL.

TRANSUNION has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX account must IMMEDIATELY be removed from my credit file by TRANSUNION now in accordance with FCRA!

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 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I spoke with someone about the annual fee being {$130.00} dollars so I was going to decline the card. Whoever I spoke with said they would take {$90.00} off the annual fee. On XX/XX/XXXX at XXXXXXXX XXXX I called back because the fee was still there. I told them to listen to the call on XX/XX/XXXX. I'm not sure if they did, but on XX/XX/XXXX the fee was credited back. I didn't use the card for a long time but when I did they put the fee back. This was XX/XX/XXXX, almost 2 months later. I have called about it and they said the fee was put back on because I closed my account on XX/XX/XXXX, which is completely false. I have all the statements showing my available credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

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 2021-09-12 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: MI

Complaint narrative:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

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 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This was paid in full and is incorrect XX/XX/2018 XXXX XXXX  XXXX XXXX National Credit Systems {$2300.00} Accnt. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Thursday, XX/XX/XXXX, my husband walked into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX , to try to close all accounts, including checking, savings and overdraft accounts. We have moved to a credit union in recent months because of the very poor service with Wells Fargo. To note, we have been clients since 1989 with the same account number. We are now not keeping their required amounts in the accounts to avoid being charged every month. They there one account into the negative with their charges which prompted my husband to go to close it. We will be out of town for several weeks ( as we are partially retired and can travel at leisure ) and it is not convenient to come back in two weeks. Furthermore, we feel it is ridiculous that a {$1.00} trillion bank can not close our accounts when we walk in the door and have time to wait. Please help us get this closed.

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 2021-09-12 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: Credit Plus Inc
State: IN

Complaint narrative:
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Fairway Independent Mortgage Corporation
State: IN

Complaint narrative:
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax removes inaccurate invalidated debt from XXXX XXXX XXXX and then placed it back on report to decline credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2017 my XXXX  account was labeled as closed. How can there be a balance on a closed 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 2021-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I submitted request for my statements from XX/XX/XXXX to current to Kohls. This company only has 3 statement months available online, when you do paperless. I submitted on XX/XX/XXXX to their msg center, they asked me 2nd time to tell them what statements I needed, even though I had already submitted that on XX/XX/XXXX - XXXX sent them same answer on XX/XX/XXXX. Response would be they would be mailed in several weeks. on XX/XX/XXXX I again msgd them and was told to call customer service. Called a XXXX @ XXXX @ XXXX and she said she was escalating this to get me my documents. ref # XXXX. Called again on XX/XX/XXXX, as I had heard nothing on this. Spoke to XXXX @ XXXX, who sent me to a supposedly supervisor XXXX, left XXXX to get call back asap. As of yet on XX/XX/XXXX @ XXXX, I have gotten no call back, no response. I have a deposition court date against my Ex on XX/XX/XXXX and my lawyer was requesting all bills that were not paid by him according to divorce decree from XX/XX/XXXX. This is very important, and they are not willing to cooperate at all. I was told they would not email, would only mail information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
They're not verifying my account and I've been waiting for over 72 hours for thus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WSFS FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX aka : WSFS XXXX has opened a credit card account under my name without my consent. I reached out to them to resolve this matter however, they refuse to remove this account, and tell me how this credit card account was opened under my name or even disclosed their location. Please investigate this company and find out why they are opening accounts without the consumer 's consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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:
My XXXX account is showing late payments on a closed account. Why am I seeing years of late payments after the close date? Its not possible to be late on a closed 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 2021-09-12 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: Flagstar Bank, N.A.
State: NY

Complaint narrative:
To whom it may concern, I would like to use this medium to report the deficiency from Flagstar bank and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from Flagstar bank did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan. 
Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.

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 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Trakk, LLC
State: NJ

Complaint narrative:
In XXXX, I leased a car from an auto dealership and was told to bring it back when the term of the lease was over. I was mislead into thinking that my credit score was not high enough due to no activity and that leasing would help build my score. At the end of the lease, the dealership refused to take the car back and told me to try and sell it. The car 's value was {$5000.00} but the leasing company wanted me to pay {$13000.00}.

They wanted me to buy the car but I did not want it. I gave the car back to Autotrakk and they sent someone to pick it up.

The car was sold, in perfect condition and less miles, for {$5000.00}. 
In XX/XX/XXXX Autotrakk submitted into collections, under " Voluntary repossession " for the total balance.

I had no intention of purchasing the car beyond the term of the lease.

I'm not responsible for any money due.

Autotrakk threatened to report it to the credit bureaus because I didn't want to purchase the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX called from XXXX ( on behalf of Citibank and Macys ) to collect a late payment from me. I explained to XXXX that I made the payment and he said I made it too early and it did not count towards the billing cycle. I was assessed a late fee due to this. I asked if he could waive the fee since it should have counted towards the billing cycle. The total negative balance was {$100.00} and a late fee for {$29.00} was charged. I told him that was about a 30 % charge on the debt. He said it was policy and he couldnt waive it. I reiterated that Ive never heard of being penalized for an early payment. I explained to him that for some reason I dont receive mail from Citibank but seem receive mail from everyone else. He said that he doesnt see any issue. XXXX employee number XXXX. I asked XXXX to provide me the address so that I could file this complaint and he said he was not allowed to provide that information to me.

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