vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX my mother XXXX XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a 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 2021-06-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 I made a purchase to best buy in the amount of {$1400.00} Upon tracking my order it showed delivered, I had not received the item in question, I called best buy on XXXX XXXX and was told my purchase was delivered. The rep provided the address and, I informed rep the address was in correct. 
I was given options to pick up the merchandise in a store 4 hours away from my home, I then requested a refund, I was told I would be credited, but never received a credit. i had called XXXX XXXX back to ask the status of my credit with no luck. I then disputed with Citi bank with no luck. Citi bank indicates I am responsible for best buys error Citi bank has provided to me documents that show, the incorrect address my purchase was sent to. 
This error is negatively impacting 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 2021-06-03 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: OH

Complaint narrative:
I filed a dispute in regards to incorrect items I found on my credit report, it has been well over 30 days and I have not received any proof of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to 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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has failed to address the issues I complained about. 
I still have never received the appraisal that they charged for and by law are supposed to provide me with. 
They were not authorized to do an appraisal unless I was pre-approved. Their representative assured me this would not happen and said my money would be refunded.

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 2021-06-03 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX American Credit Acceptance. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. American Credit Acceptance has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to American Credit Acceptance and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!

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 2021-06-03 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft EQUIFAX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2018 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why? 
Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?

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 2021-06-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, my AAA/Bank of America credit card was charged {$210.00} FOUR times right in a row by XXXX for a total of {$860.00}. This credit card company never called me to question the charges! XXXX FRAUDULENTLY let someone use a XXXX account under my email, change the password, add new email addresses, order products that I don't know about nor would I order them, and shipped them to an IP address in XXXX, New York which I have never been to nor know anyone there. I have repeatedly opened up fraud disputes with the credit card company only to get a letter two days later that it was denied because they have proof of my email address, name and home address and that I received the merchandise. They have no proof because I never ordered anything from them. I have a police report from the XXXX County Sheriff 's Department on XX/XX/XXXX and talked to a State Trooper named XXXX XXXX from XXXX, New York XXXX. I could not get any information from the credit card company and XXXX for months and months and many phone calls to people that can barely speak XXXX. I have had to go to the local Bank of America branch in XXXX, New York with a branch manager for two days and 7 hours on the phone to try to straighten this out without any resolution. I have XXXX XXXX and this is not helping. This has been payed in full by my checking account/autopay and the credit card company is going to report this to XXXX XXXX XXXX and XXXX. I have always paid my bills in full and now my credit will be ruined and they will not return my almost {$1000.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 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: LA

Complaint narrative:
I have submitted written proof to Equifax from XXXX XXXX XXXX that my late payments from the Months XXXX, XXXX, and XXXX of 2020 were removed. Equifax removed the late payments and then added them back. This is inaccurate and I've sent them proof twice as well as XXXX XXXX has contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
I was using my XXXX credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on XXXX  and experion my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over XXXX and now when I needed a score over XXXX to rent a apartment my score dropped 35 points.

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 2021-06-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, XXXX, and Equifax advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, Equifax, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BRCLYSBANKDE Date of inquiry : XX/XX/2018 This is not mine.

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 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have no knowledge of this account i did not authorize it and I want it delete it immediately

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 2021-06-03 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:
The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why?

Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!

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 2021-06-03 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In 2017 i reported some transactions on my account as a fraud because weren't made by me. After a longtime in communication with the bank, they send me a letter saying the balance were resolved in my favor, which I wasn't supposed to pay or be responsible because they said a credit was applied on the account for the balance. But for some reason the collection department still keep making daily calls, and sending invoice letters requesting the payment. In a call they say one department is independent of the other and the i need to settle the balance, which like i said, i have a letter from them saying it was resolved on my favor after they made the investigation.

Company response to consumer: Closed with monetary relief