vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have now called several times today. I was just hung up on on my last call without ever getting anyone even helping me. I immediately asked for a supervisor because of the poor handling of the prior calls. I asked for an agent in the US and she said they don't have any agents in the United States. She then hung up on me. I took the survey but nothing will happen out of it. I can't even get through the phone system now because they have flagged my number or information. I was able to get through on my previous calls. This is retaliation. Our credit information is being handled by people outside the United States and I am not comfortable with this whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened this account with Chime because of their advertised 1 % interest rate for savings. Once opened, I began to transfer my savings to my new Chime account - an amount of {$33000.00} in total. On XX/XX/XXXX I received an email that they required information related to my deposits. I provided this information. I later received an email on XX/XX/XXXX that vaguely requested documents. I queried this email and asked for a list of documents that they needed to resolve the matter. They did not respond and my account was suspended on XX/XX/XXXX. 

I called on XX/XX/XXXX to follow up with them, since I had not heard back. On this call, they told me what documents they needed. These were sent on XX/XX/XXXX and they told me that I would have a response within 24-48 hours. I have not had a response since. 

I have made contact multiple times by email and phone. Every time I'm told that my case has been escalated and someone will get back to me in 24-48 hours, but this does not happen. I have provided all of the identification and documentation that they have requested in order to verify the account, but still I receive no reply. 

This company is now acting in bad faith and unnecessarily restricting access to my account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...

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 2020-12-07 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: NY

Complaint narrative:
At the end of XX/XX/2020 my mortgage bank, XXXX XXXX, offered me a forbearance for 3 months due to Covid-19 pandemic issues. 

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and XXXX XXXX  said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and TransUnion are still reporting it as {$340000.00}. XXXX  is reporting one month behind at {$320000.00}. 
I have notified XXXX XXXX several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to TransUnion to file a dispute, and I have tried numerous times. 
So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way XXXX added {$25000.00} to my loan balance did affect my credit score. 
Second, I feel XXXX is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: NY

Complaint narrative:
At the end of XX/XX/2020 my mortgage bank, XXXX XXXX, offered me a forbearance for 3 months due to Covid-19 pandemic issues. 

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and XXXX XXXX  said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both Experian and XXXX  are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified XXXX XXXX  several times, but it doesnt seem to help. I began a dispute with Experian two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times. 
So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way XXXX added {$25000.00} to my loan balance did affect my credit score. 
Second, I feel XXXX is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I wired {$4000.00} through TD bank, but later on found it was a scam. I wanted to wire money to XXXX XXXX  but in reality I wired to a personal account. ( This was a scam from a dating app. I already reported to reportfraud.ftc.gov. ) I went to the police department and the police asked me to get an affidavit from my bank stating that there was suspicious activity on my account. I then requested from the TD Bank, but got rejected. The bank stated that because I initiated the transfer so there was no suspicious activities involved. Until now, I am not able to make a report because the police insisted that they need the affidavit in order to start the case. 

I understood that it was my fault to initiate the money transfer, but TD Bank did not ask for any evidence about the scam that I encountered but just rejected my request for getting an affidavit, so I am not able to make a report to the police. This is irresponsible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items 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 2020-12-07 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I needed a loan to enroll in XXXX University 's XXXX XXXX. Because I was a XXXX  student, I could not receive a loan from the federal government. So, I had to apply for a private loan. I was in a desperate situation. I needed financial aid in order to start classes. Sallie Mae approved me for a loan of {$25000.00} at 10.500 %, out of this amount I ONLY used {$6400.00}. Currently my balance is {$7200.00}. I have tried to re-negoiate this loan to lower the interest rate, and Sallie Mae refuses to allow me this option. In addition, they will not allow me to apply for a forebearance or any type of payment deferment. The interest on this loan is too high, and unfair to me especially when we're in a pandemic and lenders are providing customers with loan deferments or refi options, and I'm not working. My first payment on this loans is in XXXX. This loan won't be paid off until XX/XX/XXXX. I believe Sallie Mae is an unfair lender and using their power to unjustly take advantage of struggling students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
We applied for a home loan and and discovered that CMRE Financial Services was reporting medical debt collections for 3 accounts we were not aware of. They scored our credit a week prior and none of these collections were there. Also, in the reports they sent the mortgage company there is mention that the accounts were reraffirmed from Bankruptcy. We have never filed for bankruptcy and have maintained credit scores near 800 for several years. Once we were told about the medical debts which totaled {$310.00} We immediately called and paid those bills. We asked the company to delete the reports since we never received these bills and the statements having the reaafirmed from bankruptcy on the actions. They refused to delete the claim and were not cooperative when we asked. The reported collections have been paid and we need them deleted to rescore immediately because the small issue is inaccurately bringing down our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was hired for a remote position through a company that I know now didnt exist. I was sent a check in the mail for a sum of money and told to deposit it and use it to purchase the equipment needed for the position. The check did not go through and so I contacted the woman who hired me. I never heard back. Today XXXX/XXXX/2020 was supposed to be my start date. I texted and emailed the hiring manager who I know now doesnt exist and asked when and how I was to start. She said since the check didnt go through I need to purchase the equipment through her and I will be reimbursed. She had me send her XXXX dollars for the software I would need. She then asked what kind of computer I have. I told her an XXXX and she said I need a XXXX  and it was required by the company so to XXXX another XXXX that I would be reimbursed for. After that happened I never heard back. I contacted XXXX  XXXX  corporate who said this position never existed and the womans name I gave them does in fact work there but someone else has been using her name to scam people Of money and to contact my bank. I contacted my back to try and get my XXXX back and they submitted a claim to the receiving bank of CitiBank and said they would try their best but there were no guarantees I could get the money back but that I could have answers in 10-45 days. I explained it was my entire savings for my move which is happening in 3 weeks. Im moving out of the state and need the money for my move. They said they would keep me updated on the claim.

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 2020-12-07 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: IL

Complaint narrative:
On XXXX XXXX, 2020, I initiated a dispute to the 3 main credit reporting bureaus, Transunion, XXXX, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.

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 2020-12-07 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: IL

Complaint narrative:
On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, Equifax, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit reports per XXXX and XXXX. Original creditors : XXXX XXXX  and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020. 
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee. 

I need this off of my credit score as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I enlisted in the XXXX XXXX on XX/XX/XXXX. Prior to that I was living with my parents, and during that time I paid the internet bill because I wanted faster speeds. After I left however, my step father had closed the accounts and switched to a different service. But he did not do something correctly because apparently there was still an unpaid dept. Which is why a year later, I was sent a dept collection from Convergent Outsourcing on XX/XX/XXXX for {$310.00}. I paid it off in full on XX/XX/XXXX. 

In the 3-4 years that I have had credit I have only ever missed one payment. My credit was in he mid to high 700s prior to this. Yet this one collection has pretty much destroyed my credit and supposedly collections stay on for 7 years whether paid or not. 

I have emailed them twice requesting to remove it from my credit to no response, and now i'm wondering what options I have to get this taken off and restore my credit.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
A company by the name of Absolute Resolutions INV is stating that I owe a collections " debt '' that is unjustly being attributed to me which is extremely disturbing. I believe this is affiliated with a XXXX  office that I went to back in 2016 called XXXX XXXX + XXXX in ( XXXX, Arizona ). The lead XXXX  of this office stated verbally to me that my insurance during my time of employment with a company called XXXX was 100 % in network and accepted meaning there was no out of pocket cost from myself required. When I switched employers I started to receive phone calls saying that I owed a debt which was baffling to me being that my insurance was 100 % accepted which was impossible. At this point evidently I was lied to by the head XXXX  running the office which is very unjust and disturbing to say the least.

Company response to consumer: Closed with explanation