vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX I filed XXXX XXXX bankruptcy in XX/XX/XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with XXXX XXXX XXXXXXXX XXXX while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXX/XX/XXXXan discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX credit union/pen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my daughter is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action

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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed bankruptcy in XXXX  - Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed bankruptcy in XXXX XXXX Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?

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 2021-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Transunion, and XXXX online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to 640, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit 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 explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
My XXXX payment was processed on XX/XX/2020. The company 's response is that they received a payment on XX/XX/XXXX and then a phone call asking for the payment to be reversed. If that is the case then there is an unauthorized user on my account. I did not call and ask that a payment be returned to me, I have no record of a payment on XX/XX/XXXX. I am concerned that there is a problem with account security or the company is mixing up my account with another. I first submitted a complaint because I was receiving communication about a missed payment when their automated system had record of the payment and I confirmed the funds were collected from the bank on XX/XX/XXXX. The company 's response is not matching the bank drafts. I have never had a late payment. I would like a detailed account history and the company to research this payment that they state was made XX/XX/XXXX as well as where they sent the payment they state they reversed. I have not received any such reimbursement nor have I requested it. If there was a disbursement made on my account I am requesting that they provide information on who the disbursement was made to, where it was sent, and how they could release such payment without my authorization.

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 2021-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent Transunion several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail Transunion shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is XXXX XXXX or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still Transunion reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries

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 2021-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I attended this school for a program which was supposed to be almost a 2 year program the school was paid the entire amount of the program which makes no sense i then had car problems when my car broke down and was not repairable i had to get rid of the car get a transffer from my job back to XXXX I could not finish the program the entire amount of the payment was kept by the school i was never refunded anything money I have tried to work something out with navient other then getting harrasing phone calls and no assistance they tried telling me I could sue the school and try to get my money back. I was not able to complete my course I was only able to attend about 4-6 months of the program

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: PA

Complaint narrative:
Tried to get a lower rate and payment today on Discover card. XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
My personal information was given to this 3rd party entity CONVERGENT OUTSOURCING, INC. that I do not even know or have never had any consumer transactions with them. I received written correspondence from CONVERGENT OUTSOURCING, INC. on XX/XX/2021. They are contacting me about an alleged debt that they say I owe. I have already sent written correspondence about this matter. I feel as if I have been violated which is not a good feeling. Just imagine someone taking something from you without your consent. What would you call that? How would you feel? What would you do? You would probably be doing what I am doing and more. I am so sick and tired of being taking advantage of. Especially when someone is willfully and knowingly taking advantage of me. Enough is Enough.

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 2021-03-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: PA

Complaint narrative:
I have contacted XXXX, and Equifax online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to XXXX, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zachter PLLC
State: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX P ( XXXX ) XXXX XXXX D ( XXXX ) XXXX F ( XXXX ) XXXX www.zachterlaw.com This law Firm is representing the high interest loan company XXXX XXXX XXXX XXXX NY, I took a business Loan 5 years ago while I had a small business before It collapses 3 Years ago and i wasn't able to continue the Loan payments because i wasn.t able to afford without working. 
After years hard working and study while I am now start working and getting a paycheck and rebuilding my life this law firm put hold my personal bank account and denied me to access my paycheck and they are trying to kill my XXXX, Hence I am begging your to get your immediate assistance to help me to enforce this firm to release the hold on my account and I can feed my family, I haven't denied As I took that business loan years ago and they could have approach me to discuss the payment arrangements since I am working now instead of doing this illegal action By holding Paycheck and putting the XXXX  life in danger, This is UNITED STATES OF AMERICA, I don't think if there any law supported that someone can hold 100 % people 's paycheck and send them out to the street. 
I am expecting your full support on this Matter! 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Macy 's customer for decades. On my last CC bill of XXXX I was 9 days late making a payment of {$28.00}. I believe I simply read the bill incorrectly. First time I was late in 30 years. For the lateness, Macy 's charged a {$42.00} late fee. I immediately called Macy 's CC Services and they refunded the charge. 

You might ask yourself what more could I want, but I think of all those folks, including myself who don't review their bill carefully. I think it is shameful that Macy 's is engaged in this kind of skullduggery. I believe that taking advantage of people who are too intimidated or too busy or possibly coping with COVID in this matter may not be illegal ( although it should be ) but it is unethical and needlessly punitive I think most people would agree. 

We know that there are loan sharks out there but Macy 's?!

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 2021-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I never inquired about credit with any of these companies XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXXXX/XX/2020SYNCB/LOWES XX/XX/2020 SYNCB/AMAZON XX/XX/2020 SYNCB/LOWES XX/XX/2020

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 2021-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: VA

Complaint narrative:
I would like to bring to your attention the unethical Veteran 's Administration ( VA ) mortgage loan procedures of NEWDAYUSA mortgage company. I have had VA mortgages in the past and I am looking to refinance my current mortgage which has {$57000.00} remaining principal at a rate of 3.75 %. I answered a mailing from NewDayUSA which said NO appraisal was needed. One of the first things the agent said was " There will be a {$500.00} to {$600.00} appraisal fee, but we will pay it and add it to the closing costs. '' I was offered a 30 year {$150000.00} loan at 3.5 % to pay off the current 15 year mortgage, and {$15000.00} in other debt ; plus cash for remodeling. The agent than listed the fees and closing costs : a {$7700.00} fee that the VA supposedly charges! ; {$4000.00} escrow ; {$2900.00} title and other closing costs ; {$2100.00} fee that NEWDAYUSA charges ; {$4300.00} fee that was not explained. Total {$21000.00} in closing costs. NewDayUSA 's offer was a 30 year loan with a principal balance of only {$20000.00} more than my original mortgage principal which is a 15 year loan ( {$150000.00} vs {$130000.00} ; and payments would be {$40.00} more than my current monthly payment ). 

NEWDAYUSA is scamming veterans and needs to be investigated. I am aware that mortgage companys add costs to the loan balance but these fees are totally unreasonable. Something needs to be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Opened a checking and savings accounts on XX/XX/2021 Have not received atm/debit card. Used the chat service .. told need to order, but ordering was not available on line to me. Told to call customer service. Associate was unable to order an card. Transferred me to account security. Who says account is under review? but had no reason for the review and no other information. USAA does not have local branches I have no way to get cash with out an card and they did not even notify me and will not provide any farther assistance.

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