vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. XXXX has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after XXXX and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from XXXX. I started to notice I would get emails from XXXX stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted XXXX I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic XXXX is using. XXXX has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed XXXX that if they continued these tactics I would seek monetary damages in XXXX court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to XXXX and they still continue to report inaccuracies on my credit report. 

Im addition Transunion has failed to even dispute my claims. They were sent certified dispute at the same time as XXXX. Transunion doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MO

Complaint narrative:
I purchased my home through NACA 's first time home buyers program and closed last year with XXXX XXXX XXXX. My home is in need of repairs which I was aware of at the time of purchased and added extra funds to my mortgage ( Escrow Hold Back XXXX repair loan ) to cover the home repairs. The contractor they provided and recommended was terminated due to poor communication, work and missing 2 deadlines. NACA 's HAND department only allows you to work with their vendors and currently there are only 2 contracted vendors to complete construction work in the XXXX XXXX area. I requested documents from my lender and was provided amended whited-out information which invalidated my case in court against the terminated contractor and is a violation of public policy. I have requested to have an meeting with the lender, myself and NACA 's HAND department but have only been told by NACA that it's their information and they don't have to share the lenders contact information or inform them of my requested meeting and I can write the lender but NACA 's HAND department will give them the letter. NACA 's HAND department and refusal to provide me the lender 's lenders contact information has caused delayed work on my home and finical hardship. Throughout my time working with NACA 's HAND department they have displayed poor communication, missed requested meetings, phone calls, unanswered questions regarding my home repair, and told that I am not being honest regarding my home repairs. I have tried to have my voice heard by those in leadership only to be sent an XXXX link with 2000 people discussing the NACA program and no one offering to help resolve the issues with the company, you aren't even allowed to file and complaint with the NACA program. When contacting XXXX XXXX  XXXX I've been directed to communicate with NACA regarding any issues but when speaking with NACA HAND department I am directed to talk to XXXX XXXX  XXXX regarding all issues. XXXX XXXX  XXXX stated that NACA would be able to setup and meeting between the lender and myself but I have yet to get an response back from NACA 's HAND department. Emails dating back to XXXX regarding complaints and requesting meetings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
During XXXX, NAVIENT endlessly phone not just me, but constantly harassed my employers, causing 2 to terminate me. 
During the great financial crisis, following a layoff in 2009, I had finally secured a role as a XXXX XXXX XXXX  with a startup in XXXX, Maryland. I was informed by my direct supervisor, also the owner, that NAVIENT would not stop calling him regarding my unpaid student loans. As a direct result, I was terminated from this position. 
I had to resort to selling automobiles, despite holding a degree in XXXX XXXX, but NAVIENT began incessantly calling a XXXX dealership I began working for in XXXX, Indiana. I was terminated from this awful job as a direct result of NAVIENT 's harassment. 
I already had complex XXXX XXXX XXXX XXXX  prior to this ordeal, so NAVIENT 's actions also hurt my mental health immensely. 
I have since become completely and XXXX XXXXXXXX by my complex XXXX, and NAVIENT ultimately charged off these unpaid private loans to which I refer. 
If NAVIENT ever wanted the remaining interest ( or even the principal ) repaid, its representative could have stopped harassing me and my employers. Instead, NAVIENT chose to violate laws regarding debt collection, CAUSING MY TERMINATION FROM AT LEAST 2 JOBS. In hindsight, I truly wonder how many other employers NAVIENT harassed who did not inform me... 
NAVIENT knows, considering their records would apparently indicate who they called regarding my private student loans. 
Now, I am fearful that if I attempt full-time employment again that NAVIENT will harass my next employer, too, which can not be allowed to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: DISCOVER BANK
State: MO

Complaint narrative:
XX/XX/XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Request for Deletion of Closed Accounts from Credit Report Dear, Discover Bank I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,

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 2023-07-16 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: MO

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX  I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion, has alerted me that my background information is being furnished with inaccuracies. I then contact the source that was provided and was informed by XXXX XXXX  the furnished that information to TransUnion. I then contact TransUnion for accuracy and furbishers information. I was given countless numbers to call with no result. I was told that the information wouldnt appear again but it has. I have prove that this information that is being furnished are inaccurate.

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 2023-07-17 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for XXXX months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A lot of charges of overdraft fees, such as {$35.00} for having to put money towards only {$1.00}. This has happened many timers with Wells Fargo. I was with the bank since 2010 and only recently had to close my account because was not able to pay the overdrafts fees that left my account negative by {$300.00}

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 explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi denied a card after saying i i was pre-aprroved.If they saw my credit report they saw the bankruptcy. Algorithm needs fixed or an exam needs to review this process. 3 of ther 4 denial reasons say bankruptcy from many years ago. I have 6 cards, i XXXX XXXX XXXX XXXX  card. credit i snot an issue, they have me blackballed. Consumer harm to my credit report. Called and reported. Citi needs to review their application process, make it fair, and this seems to be an in fair practice or UDAP...... definitely need an examination team from the west region to review hwo they process pre-approvals and denials. Seens to be a disconnect. screwing consumers over is a not a good business practice. 

I have a less than 30 % debt to income, i pay no taxes so my gross is my net, and my last 5 years of credit is perfect. Again they seem to be providing much consumer harm. As one would expect from a citi card with what seems little to no compliance oversight, or board reviews., Just from me talking to them once. See attached denial letter. Ridiculous 3 of the 4 reference bankruptcy, 1 would be appropriate, 3 is abusive. 

I would have consumer stay away until remedied.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Early Warning services did not do a fully in vstigation on the following fraudenlemt accounts Banks that were open up fraudenlty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies XXXX XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX has deleted from my credit since they went Bankrupt. This has affected my credit score were I was in good standing and score was in XXXX 's now it has lowered XXXX points. My lease contract is with XXXX XXXX XXXX and I feel they CAN NoT just erase that I have NEVER missed a payment or been late! I feel they have SCAMMED everyone that has gotten a vehicle from them. I worked to get my credit built up and now it.has been ripped away. I am in the process of speaking with a lawyer over the situation including this with my credit also. I do not see how this would be legal to just delete off someone's credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bankmof america is asking for fingerprints to do business with the bank, this is not even required by law

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 2023-07-16 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: GA

Complaint narrative:
My credit score had been XXXX there was a collection that did not belong to me. Trans Union removed it now my credit score is XXXX apparently they still use this against my score since nothing else has changed

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 2023-07-16 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: FL

Complaint narrative:
I have been in a XXXX XXXX XXXX since XX/XX/XXXX. The name of the company is XXXX XXXX XXXX. On my credit report it has red marked on eight accounts listed below : XXXX- Potentially Negative- Paid off XXXX XXXX- Late Payment- Paid off XXXX XXXXXXXX XXXX XXXX- Potentially Negative- Paid off XXXX- Potentially Negative XXXX XXXX Paid Off XXXX- Potentially Negative- Paid Off XXXX XXXX- Potentially Negative- Paid Off XXXX-Potentially Negative- $ XXXX It will be paid off XX/XX/XXXX XXXX XXXX XXXX XXXX Collection acct is paid for less than full balance in XXXX. This need to be removed since collections can be removed due to a dispute or settlement.

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 2023-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Mortgage company did annual escrow review and raised my escrow payment. Review was based upon false hazard insurance premiums and property tax. I sent the mortgage company the documents verifying the correct amounts and they have not responded with a adjusted escrow payment. They are still requesting an inflated cushion balance to the escrow account along with a escrow payment that is inflated based upon incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation