vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to Southwest Credit to provide me legal documentation for this alleged debt. I am not liable for this debt with XXXX  and I do not have a contract with SouthWest Credit. In addition, they did not provide me with the legal documentation and the signed original application like I asked them. They sent me a basic letter dated XX/XX/2021, with verification not validation, and fail to provide me with the original application. In addition, they never sent me. a dunning letter in the first place. Therefore, they need to delete this account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a loan with DPT ED/NAVI. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information.

DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Nelnet, Inc.
State: NJ

Complaint narrative:
review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
My mortgage is with Guaranteed Rate, who uses XXXX as its servicer. I am required to access my account online through XXXX. 
Today, I attempted to access my account online. Unfortunately, I could not recall my prior password. I went through their password reset system. I would reset my password, then input that exact same password into their system, their system then shared I was locked out of my account. 
I then called their phone number XXXX. I spoke with their first line representative who said she was unable to unlock my online account and that I would be locked out for 2 hours. I then asked for a supervisor. I then spoke with the supervisor XXXX, her initials are XXXX. The company does not allow their customer service representatives to provide any identifiable information. XXXX shared there was nothing she could do for me either, and that it was impossible to unlock my online account, and that I would continue to be locked out for the full 2 hours. Supervisor XXXX was unable to provide me a time when my account would be unlocked. Supervisor XXXX also confirmed the terms and conditions I accepted when signing up for their online banking did NOT include disclosing this 2-hour time out should a password reset be needed due to three incorrect password attempts.

I was also told I had no other recourse other than to file a complaint to their " Complaints '' department. 
I do not understand why Guaranteed Rate/XXXX  would refuse to unlock my online account, refusing me the ability to transact on my mortgage which could potentially prevent a late payment or late fee from accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Sometime in XX/XX/2021, we contracted freedom debt relief. We placed XXXX in debt with them they have negotiated 9 accounts with anywhere between 36 and 48 months they have paid out to my creditors XXXX but have taken in fees over XXXX. In XXXX I was asked by an attorney that freedom debt relief chose for me to put XXXX in the account to settle a legal account. After speaking to my wife we borrowed the XXXX and placed it in the dedicated account on XX/XX/XXXX but the money did not clear the bank until XX/XX/XXXX. Freedom debt relief then proceeds to debit the account for XXXX and does not take care of the legal account. my case number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 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: ATG Credit, LLC
State: MI

Complaint narrative:
ON XX/XX/2021 I sent ATG Credit LLC a letter because I received a notification from the 3 bureau 's stating that this debt collector added to my credit profile as a collections account. My letter included me asking the company to verify and validate that I owe this debt. I do not owe this debt. I do not have a contract for this debt yet, it was sold to this company. I also called ATG Multiple times to verify that they received my letter which they did because I sent it priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Someone from their office received my letter and processed it in their system according to the representative that I spoke to. The Rep also explained that the manager would call me back with more information, it never happened. I called multiple times, the company transfers me and gives me the run around. Today is XX/XX/2021, I have yet to receive a response from ATG by mail, phone, etc. By law, debt collectors have 30 days to investigate a dispute, it has been well over the 30 days for this dispute. I would like this removed from my credit report immediately. This company is committing fraud and has several complaints with the 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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2020 XXXX there was a fire in my home. We filed an insurance claim and during the beginning of the claim process covid 19 started. The company that was going to be doing the restoration Completely shut down in regards to covid. Referred to another contractor. The contractor then took all information and said he would handle paperwork for mortgage company to get funds released for the job. Contractor then
forged the endorsement for the mortgage company, and deposited the check into his own chase account. 

He did not complete the work. 

In XXXX after gathering all evidence and getting affidavit of fraud from mortgage company and all other documents, the claim was filed. 

XXXX XXXX XXXX XXXX, the insurance companies bank, for the last 3 months has claimed to be waiting for chase to respond. Chase will not give out Any information to anyone other than their account holders. 

XXXX XXXX XXXX XXXX will not give me any info as they are a commercial bank and I am not their client. 

The insurance company doesn't care as they have already paid the claim in their eyes. 

The mortgage company does not care to follow up as the home is worth XXXX and the balance of mortgage is XXXX It's been more than 8 months, since filing claim. 

It has been 20 months since the home was damaged in fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my XXXX XXXX XXXX XXXX Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( experian, XXXX  and XXXX  ). They all reported delinquency in the payment of my XXXX XXXX XXXX XXXX Mortgage. in XXXX I contacted XXXX XXXX XXXX XXXX concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within XXXX XXXX  XXXX Unions credit reporting department. I have been contacting XXXX XXXX XXXX XXXX on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to XXXX XXXX XXXX XXXX 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments.

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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021, I was texting a coworker who I've know for about 2+ years and was chatting about this investment that doubled my money and promised me the money in 12 hrs and I wasn't given any money back. I issued a fraud claim ( which the amount was {$28000.00} ) to my bank a few days later and had to wait over 10 days to get results or a answer, however, they denied my claim saying I was the one who sent the money and couldn't do anything for me. XX/XX/2021 I went to the bank in person and spoke with someone and they told me to file a police report and use that to reopen my 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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: CA

Complaint narrative:
Bank Account opened with Comerica Bank - Comerica - received checks and also a received a copy of a altered or fictitious check that was deposited in the account - didnt open account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TX

Complaint narrative:
Documents sent certified mail to TransUnion LLC on XX/XX/2021, with no response for more than 60 days. Filed CFPB complaint XX/XX/2021, TransUnion mailed document with deletion of account on XX/XX/2021 & mailed another document on XX/XX/2021 reinserting document. TransUnion is in violation of several laws. See attached.

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 2021-08-02 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) any extension of credit or approval should not be included on a consumer report. I pulled my credit report and realized that
Navy Federal and Transunion are violating my Federal Rights as a consumer I, XXXX XXXX, Did NOT Give them permission to furnish these inquiries on my credit report.

Under 15 USC 1681n, both companies are civil liable for willful non compliance.

An Agent Named XXXX said she was not deleting them and then rudely hung the phone up in my face as I was trying to get these items of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: KS

Complaint narrative:
On XX/XX/XXXX i reached out to XXXX, XXXX  and Equifax regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been disputing with Experian a collection account thats listed on my credit report. XXXX XXXX, XXXX shows an account in collections with them from a previous charged off XXXX XXXX XXXX  account that was opened with them in XXXX. I have no knowledge of ever having an account with XXXX XXXX XXXX  at that time and never heard of XXXX XXXX XXXX  until I opened an account with them in XXXX  XXXX. I first found out about this when reviewing a credit report as I am trying to purchase a house. On XX/XX/XXXX, I spoke with an XXXX at XXXX XXXX XXXX  and was advised that she saw no accounts in their system under my SSN other than the one opened in XXXX. I disputed this in XX/XX/XXXX with all 3 bureaus providing the same information I am submitting here. XXXX XXXX and XXXX  have removed this information within days of submitting that dispute. Experian refuses to remove this unfair, incorrect information from my report and is preventing me from qualifying for a mortgage. There reason for keeping it on is due to them saying the debt/account is validated. The only documents they can provide is statement copies. No signed contract or cardholder agreement.

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 2021-08-02 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: OK

Complaint narrative:
Last month i sent out some documents to XXXX, Equifax and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.

Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.

In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees. 

Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens.

Company response to consumer: Closed with explanation