vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on Experian and XXXX. 

XXXX XXXX XXXX ... XXXX This account is over 7 years and needs to be remove. Showing on Experain XXXX XXXX ... XXXX .. This is is over 7 years old and needs to be remove ..Showing on Experian. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I agreed to be placed under a forbearance. Under the agreement due to COVID-19, I was informed that I would not accrue additional fees or penalties. It not only seems as if I have accrued these fees but the fees Im being charged are to confirm I still live in the home. Even though I agreed to a forbearance I have paid two -thirds of my mortgage since XX/XX/2020 in hopes of limiting the amount due at the end of the year. As of this email I owe the bank a little over {$5400.00}. I have a statement from them showing I owe them {$9000.00}. Over the phone they say all the right things but they dont send me an adjusted mortgage statement. They only have offices in New York or Maryland and not California where I live. I need help!

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 2021-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I first called FedLoan Servicing on XX/XX/XXXX to inquire about the process of loan default resolution and after speaking to several reps and supervisors, I was informed to send my XXXX taxes to start the process of getting out of default status by starting the 3 payment process on my student loan. I was asked to fax or mail in the required documents and I did both on XX/XX/XXXX and XX/XX/XXXX costing {$100.00} to do so. After two weeks now on XX/XX/XXXX and numerous calls to the default resolution department at fedloan serving, they aren't able to locate my faxes or mailed documents to start the payment process to get my loan out of default. they provided many excuses along the way, first that their fax machine was not working, then that their backroom department managing the faxes was behind, then that the process to receive said fax or mail documents takes 10 days and lastly to send the fax during XXXX XXXX XXXX because their fax machines get inundated, which I had already done. None of the representatives or supervisors apologized or offered solutions and all had different answers and didn't seem to care. This process is very important to me as I would like to get back on track paying my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX My credit was pulled by Santander Consumer USA without my authorization. I've never given anybody the authority to send my information to Santander. On XX/XX/XXXX I contacted XXXX regarding this issue, and i was told i needed to have Santander send them a letter addressing the issue. When i contacted Santander ( XX/XX/XXXX ) I was informed that because I am not a member of theirs, they will not send the letter to XXXX. When I asked why my credit was pulled THREE times in the first place, the representative said she didn't know which was highly concerning. I am now stuck between a rock and a hard place as Santander is refusing to send a letter of deletion to XXXX, or ANY credit bureaus these fraudulent inquires have been sent to. XXXX told me to contact consumer finance regarding this issue, so here I am. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two, capital one and XXXX and XXXX, are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 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: PA

Complaint narrative:
I have a negative item on my Fica Experian Report. The Account is with XXXX XXXX - XXXX XXXX Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was XXXX XXXX XXXX  it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy XXXX XXXX XXXX XXXX. Final Decree It is ordered that has been fully administrated. Chapter XXXX  discharge. 
Dated XX/XX/2011. XXXX XXXX can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MD

Complaint narrative:
I am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, Transunion and transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
-We applied for our refinance XX/XX/2021 and was assigned Loan officer Ms. XXXX and processor Mr. XXXX . We had questions concerning what we would qualify for and asked for the guidance of the loan officer. It was not until a month later after calling and emailing Navy Fed repeatedly that we were directed to submit a different application for our refinance XX/XX/2021. 
-We were given a new loan officer Ms. XXXX and processor Ms. XXXX XX/XX/2021 to resubmit all paperwork and ink signatures for processing. We completed the paperwork within 72 hrs and submitted again to Navy Federal.

-We were given conditional approval XX/XX/2021 -XXXX XXXX, XXXX I was contacted by the Navy Fed appraisal division to schedule the appraisal. The lady who called, XXXX XXXX, asked for my password to log into my Navy Federal account at which point I halted further conversation and asked her to verify her identity. I had to call Navy Federal and check her credentials because I knew it was not protocol to have to gave out your password to any employee over the phone. The Navy Federal customer service rep I spoke with verified she worked with Navy Fed and emailed her supervisor to notify them of what happened and also directed me to work with my loan processor to schedule the home appraisal. I notified our loan processor to move forward with the appraisal that same day. I heard nothing back for two weeks so I called XX/XX/2021. The appraisal was not scheduled. I requested and paid XX/XX/2021 for the appraisal to be processed. Two additional weeks have passed and I still havent been contacted for the appraisal date. 
-I already submitted paperwork via homesquad for review for all work verification, tax info etc. everything requested we sent in a timely manner. 
-My husband now has military orders to XXXX in XX/XX/XXXXand we were just notified that our refinance request has been passed to another team for processing! 

There have been too many hands on this request and it is still nowhere near completion. This is beyond absurd and no way to do business thinking youll have repeat customers. Never again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on XXXX and Transunion. 

XXXX XXXX XXXX ... XXXX This account is over XXXX years and needs to be remove. Showing on XXXX XXXX XXXX ... XXXX .. This is is over XXXX years old and needs to be remove ..Showing on XXXX. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I see a lot of things on my credit report that should not be there and do not know where they came from and I need a clear

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received a call from a group identifying themselves as XXXX XXXX XXXX  group in CA from XXXX said they were trying to resolve a {$5000.00} delinquent Bank of America credit card they stated from XX/XX/XXXX I have never had a card with Bank of America. I told them that and he stated I would be facing legal ramifications. I called Bank of America and confirmed they had no account in their system from me currently or previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have informed this debt collector, AutoTrakk, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. I have received a return receipt that was signed by one of their employees notifying me that they have in fact received this letter. Please see attached. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that AutoTrakk removes this unvalidated and inaccurate alleged account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two, XXXX XXXX and Amazon and sync/Amazon, are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. 

Thanks 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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing and challenging the debt XXXX XXXX XXXX  says I owe. 
The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all XXXX credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a law student.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave Wakefield and associates any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with Wakefield and associates. Wakefield and associates has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave Wakefield and associates ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. Wakefield and associates has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. Wakefield and associates has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). Wakefield and associates used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). Wakefield and associates repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K.

Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations.

Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be zeroed out immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MI

Complaint narrative:
In XX/XX/2020 I made my usual payment to US Bank with my first bank account, using auto pay, which went through. At the same time I also made an extra payment from my second bank account when went through. At that time I switched my auto pay to my second bank account. In XX/XX/2020, I made my normal payment through my first account since, I had changed the accounts during the billing period. When my payment changed to my second account, the credit company 's system added XXXX zeros to the front of my account which caused my back to reject the payment. I was charged a late fee which was reversed after the error was discovered. Because of this XXXX missed payment, the credit company reduced my credit limit from {$2000.00} to {$700.00}. This, as stated in their letter, was because of my " payment history ''. I have been with this company for several years and have never had a late payment. I always pay more than my minimum payment and make extra payments above my normal payments. The credit company verified that it was a mistake on their part but says I have to request a credit increase to possibly have my limit restored. I spoke with the underwriters who told me that because I don't carry a full balance on my card, pay above my minimum payments, and make extra payments that my payment history makes them feel " uncomfortable '' with my credit worthiness. So because of the credit limit reduction, which impacted my credit score, and my only option to regain my credit limit would require a hard inquiry on my credit, again impacting my credit score, and the refusal of the credit company to correct their error, I have been has penalized XXXX times for their error. Is there anything I can do to have this corrected?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I had received only one phone call that I had a debt to be paid on my credit card. I 100 % understand a balance is owed.. but to affect my credit as much in the time of alll thats going on in the world is absolutely insane. I was told I would have time to make a payment before it was placed as derogatory or in collections and that clearly never happens.

Company response to consumer: Closed with explanation