vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, Ive a=contacted experian on multiple time about the inaccurate of my credit report. 
I even screen shot the information on my credit report and compared it to the other credit bureau and ofcourse there are multiple inaccuracy and voilatiopns.

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 2020-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NM

Complaint narrative:
On XX/XX/2020, my student loan servicer notified me that payments for my loan were temporarily suspended due to legislative action effective XX/XX/2020. The servicer collected payment from my bank account on XX/XX/2020 after the effective date of payment submission but, before they notified me that payment was not required. On XX/XX/2020, I requested by electronic message on their website that they refund the {$450.00} payment that they collected on XX/XX/2020. They did not respond to this request. I made a second request for refund on XX/XX/2020 by written letter. The servicer responded on XX/XX/2020 with a form letter denying my " credit dispute. '' I did not make a credit dispute but, I assume the servicer 's intent was to deny the refund that I requested in my letter of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, {$570.00} was taken out of my account by fraud. On XX/XX/XXXX, I filed a claim with Bank of America, only to be denied TWICE because a couple of the transactions were done by pin, totaling {$70.00}. That left the other {$500.00} unaccounted for, but nonetheless they urged me to re-open the case, knowing that they would keep denying it for the same reason. I lost my card twice during that time period, so those cards are still out there somewhere floating around. Also, if you actually pay attention to the charges, it's impossible that I did all of that in one day. There are charges on the same day that include a restaurant in FLORIDA, and a liquor store in VIRGINIA. When pointing this out to them, they agreed that it didn't make sense, but still didn't hesitate to deny my claim. They keep telling me to re-open the claim, but that's completely pointless considering I don't have any new information for them, and they will keep denying it in regardless of what I say because of the pin transaction. This has been going on since XXXX, and it has cause so many financial issues for me because of not being able to pay my bills on time, resulting in late fees. In hindsight I've lost way more than {$570.00} because of this long process.

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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I did not authorized. 

XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Accept Inquiry from XX/XX/2020 XXXX/XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2020-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Bank - Huntington When the pandemic first began, we placed our loan into forbearance as we were quickly losing work and, subsequently, income. On several occasions, Huntington representatives confirmed that payments missed during forbearance would either be owed in full at the end of the forbearance period OR payments would be added to the " back '' of the loan, thus changing the loan maturity date. Huntington is now forcing us to either pay the loan or accept a subordination loan, claiming that despite misinforming us throughout the entire forbearance process, our loan is an FHA loan and the modification we were initially told would happen was offered in error. We requested that a supervisor pull and review calls. We were told that this was, in fact, done and that we were misled and misinformed. 

Currently, our loan is showing as 6 months behind. We would have never entered into forbearance had we known we would be forced to accept an additional loan. We are now attempting to refinance our current mortgage and are unable to do anything as our loan is not current. At this time, we have been advised that we will likely have trouble obtaining a refinance with both a mortgage and subordination loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
Due Amount- {$1200.00} Settlement Amount- {$500.00} ( TillXXXXr XXXX ) We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1.You might be immediately sacked by your employer as they will be notified. 

2.Your credit will be ruined. 

3.Your wages can be garnished. 

4.Your bank accounts/credit cards will immediately freeze. 

5.The IRS will put a hold on your Tax return. 

Before proceeding ahead, this is yourfinal chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

That is word for word the email I get minus the account number. It says its for a loan company I never even heard of. They email me constantly. Its never phone calls. It's the same generic email. 

The emailed dates are XX/XX/20, XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX  and XXXX  showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Transunion is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and transunion refuses to remove it. And still stated that XXXX  XXXX  verified as accurate in XXXX. How is that possible when the dispute came from their company on my behalf? You have also not shown proof of how it was verified and what documentation was used. Transunion is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.

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 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: UT

Complaint narrative:
I took out a loan to pay bills off and get things in a better position. I had been paying the loan and keeping it current. Then as Covid hit, I was unable to get paid. I am a real estate broker and I had spent the winter working in XXXX XXXX XXXX to make more money to pay off more debt. XXXX XXXX deal do not pay until the business can open. Supplies became short in XXXX and by XXXX, the government had flat out said that they were not allowed to open. 

I tried to speak with the reps that just wanted to yell at me to give them a date of when I would get paid, which I did not have due to Covid and nor did I have any idea of when I would be able to get paid. When they opened Covid help applications, I applied several times, having my applications deleted several times and then being told I was not eligible but no one would tell me why. 

SBA Loan and grants went into pending statues, then XXXX came active, but it was still really slow. As soon as I received my PPP I called immediately to put the account current and they had decided to charge off the account that day & refused to work out a settlement with me. By the end of the day of arguing with them to work out a plan, a rep had me set up an auto draft of payments for {$250.00} dollars a month while a settlement could get worked out. This was in XXXX. 

During that time, they failed to report I was in a payment arrangement and making payments, instead, continued to report negative on my credit. 

I have made many attempts to settle this account in exchange for them correcting the damages to my credit from Covid19 since they offer Covid help to other members. They have refused to give me their Covid requirements or tell me why I was not eligible for Covid assistance.

My most recent 3 attempts were onXX/XX/2020 - 2 via phone calls & 1 via email. I offered yesterday to pay the entire account in full in exchange for my credit to be corrected or the account to be straight removed due to their lack of Covid assistance, refusal to give me copies of the contract and refusal to give me copies of the XXXX assistance requirements & for mis-reporting to my credit from XXXX to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: OH

Complaint narrative:
In early XX/XX/XXXX 2020, after viewing my statement from Netspend XXXX I determined that my card ( and therefore my account ) had been debited without my authorization. There were several charges that were unauthorized that were posted on my account. Within hours of observing and determining that such activity occurred on my account I cancelled my card through Netspen XXXX website ( self service portal ) due to the fact that their customer service hours were severely limited. Furthermore, as soon as it was possible I made aforementioned bank aware of the unauthorized activity on my card and provided them with all information that I had with regards to aforementioned unauthorized charges. 

Netspend XXXX took some time investigating my claim. On XX/XX/XXXX aforementioned bank provided me with a provisional credit for about half of the amount that was charged un-authorized. Soon thereafter they informed me that the remaining charges were not in error and therefore would be credited. ( I assume when they state there was no error that they are claiming that the charges were authorized. ) They also stated that they would gladly send me the documents that they used to make this determination. I gladly accepted and request aforementioned documents. Subsequently, I requested these documents three more times and as of XX/XX/XXXX they have never been received. 

Subsequent to the XX/XX/XXXX provisional credit, I was informed on XX/XX/XXXX that the provision credits, ( which were about half of the total amount of unauthorized charges ) that was provided were mostly be reversed and that Netspend XXXX found that error did not occur. Once again no documents or information besides denial were given. 

Many calls to the organization end with my claim will be given to a specialists who can not speak on the phone ( back office. ) It appears that every attempt to seek further information or clarification on this matter is blocked. 

The charges that I informed Netspend XXXX about ( which were NOT authorized by me ) were infact unauthorized charges. Netspend XXXX while operating within the terms of their agreement with me, may in fact be in violation of Regulation EXXXX Therefore, it is demanded that Netspend XXXX review reconsider and change their determination with concerns to claim XXXX. 






Account No. 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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I FILLED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND THEY ARENT HOLDING UP THE LAW, THEY ARE NOT RESPONDING TO ME. I HAVENT RECEIVED ANY RESULTS OF THE INVESTIGATION.

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 2020-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are currently errors on my credit report including a bankruptcy and numerous inquiries not authorized or initiated by me. This is currently hindering me from getting future 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 2020-10-21 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: FL

Complaint narrative:
I reviewed my credit report with the credit reporting agency Trans Union ) and noticed that they were reporting a bankruptcy on my reports. under my name. I have sent a few letters inquiring about how they came up with my name and that I had allegedly filed for bankruptcy. 

On XX/XX/2020 - I sent Trans Union my first letter inquiring about how they got the information, ask them for proof that their information is accurate, in other words, " validation '' Because to my knowledge and investigations. any information that appears on a credit report " must be 100 % accurate, and verifiable '' there is another word but it doesn't come to my mind right now. 

I write to them again on XX/XX/XXXX, XX/XX/XXXX. and they finally corresponded by saying it was verified. But I contacted the bankruptcy XXXX that is on the credit report and they sent me a letter saying that they do not share any information with anyone so they have no idea of how my name is in this matter. 

Trans Union only said that it was " verified '' but provided absolutely no proof as to why my name is involved in this matter. Can you assist me in clearing my good name please?

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I returned this vehicle and bought a new vehicle the same day. The dealership told me they would pay for final disposition fee. I was never late on his account ever! I have a perfect credit history and I just applied to refinance my mortgage and was made aware of this inaccurate information. I am outraged and humiliated! Also, how can an account go from paid as agreed to all of a sudden 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A while ago I was on maternity leave and fell back on payments. I received two letters for both accounts about ways to catch up on payments. I made both payments but some how it was only credited to one account. I called several times requested supervisors and etc. They were able to see the one payment but explained some how the computer only followed through on one account and not the other. Although payment was received and the offer was for one account. I have been told several times that a supervisor up until this day that a supervisor would contact me back. I finally received a settlement offer. However after thinking about it and that I have been reaching out about this account for over a year and my other account has been in good standing I feel that somethin else should have been acceptable. I offered a pay for deletion due to the problem and I was told that was not offered and they had nothing to offer but the settlement and that I should contact a credit agency. However the credit agency said this is offered when capital one sends it to a collection agency. This matter should be looked into closer and I'm not understanding since i remain a customer and have been making contact for over a year. Why should I deal with a outside agency vs Capital one since the account is still with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: MA

Complaint narrative:
HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!

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 2020-10-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!

Company response to consumer: Closed with explanation