vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a complaint about Experian, which is pending : XXXX regarding Experian intentionally falsely stating that an account from Credit One is open and {$470.00} is owed when that account was paid and closed at my request. They did so intentionally because the last status from Credit One occurred on XX/XX/2021, yet I disputed 3 times since then, providing even my credit card statement showing no balance owed and no available credit at all because the account is closed, on XX/XX/2021. I reported to you that Experian took that Statement and XX/XX/2021 dispute, FROM ME, and used it to fraudulently update my report as open and still owing {$470.00} as of XX/XX/2021, while attributing that report to XXXX XXXX XXXX response to my dispute when in fact it could only have been attributed to my uploading of my statement on that same date. 

So I submitted a complaint to you, which remains pending. In the interim, yesterday, Experian notified me that they updated OTHER CREDIT CARD statuses on my report and today you notify me that they continue here to claim they need additional time to " investigate '' my complaint. So I went to review my Experian report and Experian has SECRETLY, without INFORMING ME OF ANY REVISION OF MY XXXX XXXXXXXX REPORTING, changed the report again to state that the account is open and still owing {$470.00} as of XX/XX/2021 instead of XX/XX/2021. 

This means they unraveled the second fraud of intentionally misreporting the debt based on the Creditor 's verification of the amount owed while it was really based on my upload of a credit card statement showing NO AMOUNT DUE. But it also proves that XXXX XXXXXXXX has AT NO TIME responded to affirm that there is ANY AMOUNT DUE in response to any investigation by Experian of the three disputes I have submitted for this credit reporting line since early XXXX. 

Therefore it can only mean that Experian has been lying to me this entire time in reporting TO ME numerous times that XXXX XXXXXXXX has repeatedly responded to Experian with proof affirming three times since early XXXX that I owe this debt. I do not in fact owe this debt and XXXX XXXX has never said any such thing. They simply have not reported the account closed and paid yet. Experian simply is lying about doing ANY INVESTIGATION WHATSOEVER. I do hope you will hold them accountable under the law for this FRAUD. 
Look at my report, XXXX XXXX has not reported this account in any status since XX/XX/XXXX, yet Experian has " resolved this dispute '' to affirm the debt three times since XX/XX/XXXX! Outrageous.

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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: HI

Complaint narrative:
XX/XX/21 Caller was looking for my mother 's information. 
When I called their number back it requests for bank account number and FULL Social Security Number. 
The recording claims to be Jefferson Capitol llc. 

I believe they are scam callers trying to steal people 's information and money. 

They called from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was informed by an unrelated party that on XX/XX/2021 an estranged family member was able to access my loan account, financial information, and allowed to make changes to the communication preferences such as changed the email to here and the phone to hers, and I wasnt XXXX to get into my account. They insisted it was the borrower ( me ) who made these changes on XX/XX/2021. They should never have allowed any of this to occur. My privacy has been totally violated and its irreparable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During the course of this loan I have not missed a payment and have paid more than {$1000.00} additional monies to principal plus monthly payments. I requested a deferment on my loan for three months and was denied. They gave me one month, WHICH WAS NOT ENOUGH to help me get ahead.

This was not considered and my only option was payment plan that is quite unfair as it does not help a consumer like me who has not missed payments and paid additional to principal.

Another way to rip off consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following credit bureaus ( XXXX and Experian ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped XXXX points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi, In late XXXX I had some trouble with making a payment on time for my car loan with Capital One. Realizing how much of a problem this was I reach out to Capital One Auto and at that time I was able to make an arrangement in which the rep I spoke with stated that my credit would not be effected negatively if the arrangement was kept. In XX/XX/2020 I noticed that I had late payments on my credit report for XXXX and XXXX despite the assurances from the rep that I spoke with previously. I contacted Capital One Auto in XXXX and informed of the late payments that were reported after completing an investigation Capital One Auto corrected my credit report for the months of XXXX and XXXX. I continued to keep up the agreement in XXXX and XXXX. My XXXX payment came just a few days late in early XXXX but never reached the 30 day mark. I have recently discovered that Capital One Auto marked me late for the months of XXXX and XX/XX/2020 despite my on time payments. I have disputed these payments with the credit bureau to no avail and when contacting Capital One very little was offered in correcting this issue. 

I also have not been able to log in to the online portal to make payments in a way that would be most comfortable for me. I do not receive any billing statements in the mail and can not see the online statements to properly track my bill despite contacting the company several time to have them resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
It is my experience that this online school falsely misled me into an online program and overcharged me. leaving me with no degree and no way to pay the debt that is now as follows : SUBSIDIZED LOAN XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX. {$4800.00} XX/XX/XXXX. {$1900.00} UNSUBSIDIZED LOAN. 
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. {$11000.00} XX/XX/XXXX. {$3500.00} TOTAL DEBT FROM THE XXXX XXXX IS : {$21.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Aspire credit card has not allow me to file my dispute due to my credit card being stolen. I submitting a verbal and written notification of dispute under regulation E. Aspire has not agreed to their terms and agreements under regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Consent not provided.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already tried to dispute this account several times to no avail. This account is fraudulent. I have even tried to dispute this account with the so-called original creditor but they don't have a valid address according to the USPS, but somehow Equifax keeps updating this account even though the address is not valid. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a close auto finance account with Capital One. Paid off. I went through some hardship medical issues and a job loss in XXXX I regularly stayed in contact with them in regards to late payment schedule and worked with them consistently. They assured me that there werent negative reports to my credit report since they were agreeing upon the scheduled payment dates said they werent 60 days delinquent so it would reflect poorly. I now am trying to purchase a home and see the negative remarks and they shouldnt be there. I disputed with them through XXXX  and nothing was resolved. I dont believe they should reflect since I have been with them through the years and also have 2 other accounts in great standing and those delayed payment dates were AGREED UPON due to my temporary situations. XXXX and XXXX related at one point. And unemployed at another time. But I still made my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/21, I opened both BB & T checking and saving account funding with my spouse 's credit card, and then after a week or so my account get closed by BB & T, I have no way to access my account at all, despite I have deposited {$25000.00} in their account. 

They didn't return any of my money at all. I tried everything I could and tried to cooperate as much as I can, I went to their branch twice as they requested, 1.5hour trip for one way, with my spouse and our 2 type of ID and credit card I used. The last time I visited the branch is XX/XX/21. And then I called more than 30 times, which costs me more than 10 hours, including their branches number, 24/7 customer services, fraudulent department, debit/credit card department, they always push me back and force.

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 2021-03-19 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: OH

Complaint narrative:
I have mailed dispute letters to all 3 credit bureaus XXXX ; XXXX ; and Transunion about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.

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 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Consent not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an amount of {$86.00} that was due and was reported by XXXX XXXX. On XX/XX/XXXX i call and paid them the {$86.00} dollars and they charged me an extra {$4.00} dollars to do it over the phone with a credit card. Now when I look at my credit report. They say it is closed and in the remarks it said the consumer disputes this account information. I even have the receipt that they sent me the day that I paid it. They need to correct it and show that i did pay the full amount and not say its closed by a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I filled CFPB Complaint Number XXXX and I believe it was closed without a clear resolution to the false statements made by Plaza Home Mortgage advertised and explained forbearance service, and miss leading statements made by Consumer Account XXXX XXXX XXXX. 

The company stated " Pursuant to your correspondence, we requested our Credit Reporting Team to review the account for any delinquent credit reporting during the forbearance period effective XX/XX/XXXX through now.. We have been informed that the account was reported as current for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX with a special comment indicating the account was in forbearance. Further, we suppressed the credit reporting on the account for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. Please note the account has not been reported as delinquent effective XXXX XXXXthrough now. '' The review action on my credit was more than just a review as review does not change your rating. This review resulted in 4 negative reports which were flagged by " XXXX '' which has clearly shown me that the company doing business at XXXX XXXX XXXXXXXX, XXXX XXXX, NJ made derogatory annotations on my credit that resulted in a major decline in my credit score. It was made clear to me before forbearance that no derogatory remarks would be reported to the credit agencies if I chose to exercise the plan. If I would have been informed that anything negative was going to be the result of my forbearance choice, I would have made a different decision. It was never disclosed to me that this would happen. I can supply copies of the derogatory entries if needed. I tried to present them here but this page is not setup to receive screen captures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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 Consumer USA Holdings Inc.
State: NC

Complaint narrative:
We paid off our auto loan on XX/XX/2020. After the loan was paid, the company sent us the title and confirmed the loan was paid off, However, they reported to the credit agencies that we were 60 days late in XXXX and 90 days late in XXXX, which is not correct. They are also reporting to the agencies that the account was charged off from XX/XX/2020 through XX/XX/2020. Of course, this is not correct either. 

I have contacted the company several times to have this corrected, and they keep telling me that it is going to take time and they are working on it, But, it has been several months and nothing has changed. 

We are trying to refinance our mortgage while the interest rates are low. This company is holding us up from being able to do this, because of what they have reported to my credit file. 

I am very frustrated with this and would like you help, if possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my 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 2021-03-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.

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 2021-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Receiving calls from Capitol One Finance with no messages ... hanging up.

Company response to consumer: Closed with explanation