vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated 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 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2022-01-03 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: LA

Complaint narrative:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
In XXXX of XXXX my family and I got extremely sick with Covid-19. My Wife and I missed a lot of work and pay. I called US Bank to start a forbearance plan. The plan was ONLY supposed to last 6 month. In XXXX of XXXX, I called US Bank to have the opportunity to start making payments again. US Bank offered me 3 separate options for a mortgage modification. When US Bank gave me my options, I misunderstood what the Loss Mitigation Rep was telling me, and I choose the incorrect option. It is now XX/XX/XXXX, I have gone through 6 loan modifications! According to US Bank, they " never received '' any of my loan modifications documents. On the other hand, I have been told by several different representatives through US Bank and they have told me received my documentation. I had a rep even tell me " Because I signed in to online banking, my load modification went null in void ''.

It is difficult to get ahold of US Bank. I have called 10 times. Each time I have called, I have waited over a hour on hold. I have tried calling different times during the day. No matter the time, I am stuck on hold waiting for a representative over an hour. This is a tactic to prevent their clients from calling in. I am a director of a call center of a Credit Union. We focus on getting to the clients as fast as we can. You can monitor wait times with the call center programs. When members have to wait over an hour to talk to a representative, this disregard towards their members shows US Bank is unwilling to assist their members in the best way possible. How can I get an issue fixed when I have to take at MINIMUM 1 1/2 hours to try and get my situation fixed. They do not have physical locations to go to. When I first signed my mortgage, it was with XXXX. My Mortgage was sold to US Bank. We never freely went to US Bank to get our mortgage. I feel like US Bank is purposely causing these issues. I am strongly believing that they are trying to foreclose on our house to make more of a profit off my house. With current interest rates at an all time low, US Bank is forcing their clients into foreclosure to get the most value for their investment. I have a Wife and four daughters, I can not lose my home. I need your help. I need US Bank to finally fulfill their promise on completing a PROPER LOAN MODIFICATION.

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 2022-01-03 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: AL

Complaint narrative:
First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, Experian, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer 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 2022-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Customer ID Number : XXXX Loan Number : XXXX I would like the XXXX XXXX 60 day late payment on account XXXX ( Sallie Mae ) -- to be removed. This is a clear inaccuracy. Sallie Mae is reporting to the credit bureaus that i am on time and paid as agreed for XX/XX/2019 but 60 days late for XX/XX/2019. THERE ARE ONLY 30 DAYS IN A MONTH. HOW CAN I BE 60 DAYS LATE IN ONE MONTH. Please update it to the correct reporting or delete the CLEAR INACCURACY.

To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Sallie Mae for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, 3 years ago, I was in a financial dilemma due to my health issues and hospitalization. As a result, 1 of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid the 60 days late payment on one occasion over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your com
pany but now the 1 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work and lease a new apartment, but the negative remarks are hurting my efforts. The negative remarks stop all chances of me obtaining my goal. I have been constantly denied from any and all credit products such as loans, credit cards, and even apartment leases. 



This is where my Goodwill Request comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF- Universals Data Form and fax it to the credit bureaus to remove those entries. 



The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 



King Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent XXXX different letters and spoke with a TransUnion representative a handful of times trying to get unauthorized and fraudulent inquiries removed from my credit report. This is my second complaint. I have also called the consumers who in turn tell me to call the credit bureaus. Like a vicious circle of complete lack of help. The following are unauthorized and fraudulent 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

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
OnXXXX i called Comenity BankXXXX to request a payoff amount for that day. I was told I could use the online calculator to get the full payoff for that day. My statement balance was {$2200.00}. Comenity 's online payment option said the payoff for XX/XX/XXXX would be {$2300.00}. That's {$2200.00} for the balance and {$22.00} for interest ( I figured this out today XXXX ). I paid {$2300.00} in full that afternoon. On XX/XX/XXXX, Comenity/XXXX credited my account with {$22.00}. I called Comenity to ask why I received the money. The operator said it was an overpayment. On XX/XX/XXXX, I checked my credit report and noticed my payment still was not posted on all three credit bureaus. On XX/XX/XXXX, I called Comenity/XXXX billing to ask about the credit reporting and I was told I owed {$22.00}. The representative said the fee was because I didn't pay my bill in full in XX/XX/XXXX and that was the fee. After great frustration I asked to speak with a supervisor. She came on and said basically the same thing. She refused to say that they may have made a mistake. She said the fee was because I didn't pay my bill in full for XX/XX/XXXX. She also said the representative on XX/XX/XXXX said I requested a refund. I did not. They said I over paid. She acknowledges it takes 2-3 for a refund to post, but somehow this was instant. At this point, I feel that I was over charged. Instead of marking my account paid in full I have been told 6 different stories. I want this {$22.00} cleared off my account and my credit report to accurately reflect that I paid my bill on time and in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I have two accounts with CITI bank for XXXX one for XXXX right after I applied my XXXX benefits both my account were closed for no explanation. 
after calling multiple times talking to multiple people they reopened my accounts saying they were not showing I was under XXXX. My accout s were reopened. Than within 60 days my accounts were reclosed leaving me with bills. amounting {$10.00}. this time stating there was a credit change to my credit report and a missed/returned payment with last 60 days. And no XXXX  could stop them form closing my accounts.

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 2022-01-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have an issue with Equifax, XXXX, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX : On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent. 
on XXXX XXXX  XXXX XXXX XXXX XXXX pulled my credit without my consent. 
I filled multiple dispute with the bureau and the companies, but could not find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a text message from number claiming to be Wellsfargo that someone was trying to make a payment. It said reply yes or no. I replied No. I then received a call from a Wellsfargo number. He said that he would put a stop to it immediately and that they were trying to zelle money to the reserves from my account but he put a pause on it. He sounded very professional and said I would need to sign in and transfer the money back to myself since it was on pause. I put in my phone number and name. He wanted me to do it XXXX times. I started to fill uneasy but I was getting texts and he assured me it was wellsfsrgo and the number did match. As I seen my bank account go low he Said that after the process he will clear it and it will go in my bank account. He said he had zelle on the line trying to get back my funds. He said if we don't complete I'll be on out XXXX. I hung up because I did not feel right. I called my bank and they informed it was not them. I filed a claim. I read that with banks should fix it with title E protection? I have not much money and this scam really ruined me and put me in a financial burden. I am devastated that I actually got skammed and violated that the could so easily hack my 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 2022-01-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On Monday, XX/XX/XXXX I contacted Experian about a problem I was having with their report to XXXX XXXX. At XXXX XXXX, I applied for a credit card at XXXX XXXX to save money on a new computer I was buying. XXXX XXXX contacted their bank which said I was denied. This astounded me. I own a home and two cars. I make over {$80000.00} a year, and have had this job for 19 years. I have no outstanding debt - no loans or liens. I pay off my credit cards when they are due - never carry a balance. I have a credit score from Experian around XXXX. I have over {$100000.00} in my bank, with over {$700000.00} in IRA/401K. So, their bank sent me a letter which said to call them that there was an alert from Experian. I called them and they only re-ran the application for the credit card and could not give me a reason why they could not approve the card- they could only say that it was not approved again and I would get a letter in the mail explaining. I got the same letter in the mail which I received before! So, I contacted Experian online. Online, they said to call them that this had to be handled by someone. I called, but could get no one - just the electronic prompts. None of the prompts applied to me- they were mostly about disputes, which I don't have. I needed to know what was on my report that was not allowing me to get a simple credit card. I kept asking for an operator, which the automatic voice recognized but would not give me someone to talk to- they only kept repeating the options which did not apply to me. I tried a second number I found online to Experian and it did the same thing - the prompts did not apply to my situation and they would not give me someone to talk to. I failed to get someone to talk to about my situation both times- the electronic voice would not allow it. So, I wrote a letter to Experian explaining the situation ( and my outrage ) today, XX/XX/2022, sending it to Experian National Consumer Assistance Center in XXXX, TX. I do not expect much help, but at least a human being will look at my situation.

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 2022-01-03 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-03 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation