vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 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: VW Credit
State: MI

Complaint narrative:
After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14 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:
Hello, I submitted credit dispute letters to Equifax Information Services LLC on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached Equifax Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, Equifax does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' Equifax has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. Equifax states in their Equifax Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. '' Equifax made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court - XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that Equifax independently investigated my credit dispute request. Equifax failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court - XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that Equifax did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my Equifax credit report immediately. 

Please help me with this case. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: TX

Complaint narrative:
I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 been disputing this creditor since XXXX XXXX will not update my account with the creditor XXXX XXXX . When XXXX  does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and XXXX still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both XXXX  and Transunion about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and Transunion refused to update the information. Transunion stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXX To Learn balance $ XXXX. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. XXXX  will not update my account with the creditor XXXX Co. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the  creditor several times showing that the accounts are current and XXXX  still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.

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 2020-06-14 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: MI

Complaint narrative:
After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.

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 2020-06-14 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: Freedom Mortgage Company
State: FL

Complaint narrative:
I have an FHA loan with Freedom Mortgage. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit 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 2020-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Im contacting you about a debt collector by the name of Wakefield and Associates that could be potentially harassing me. I took a look at my credit report and saw that this company had said that I owe them money on two collection accounts, one for {$540.00} and another for {$200.00} something. I disputed them both because I always pay everything on time and I would never not pay something I owe. Only the {$200.00} something account was removed from my credit report so I decided to call Wakefield and Associates to see what this was about. They told me that it was for some type of medical visit and that I still owed them the money for both accounts even though one of them was successfully disputed. In total they wanted close to {$1000.00}. I explained to them that I always have insurance when going to the doctor and that the other account was disputed. I told them that I wanted to pay the {$540.00} account that was on my credit report just so I could have this all be over with. They tried to trick me by agreeing and then tried to get me to pay over the phone. I told them that I would not pay anything until I got it in writing or email. When they sent me a link to pay off the account, I saw that they were still trying to charge me {$1000.00} for both accounts and if I had continued over the phone they would have charged me the {$1000.00}. Very deceitful. Id like some information on what I can do as technically I dont owe anyone a single cent. They keep calling my phone and sending letters in the mail. I have been laid off from my work so money is very scarce for me right now. Any help would be greatly appreciated. Thank you and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to connect my Pnc account to my XXXX app but Pnc isnt letting the connection to complete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: FL

Complaint narrative:
I have an FHA loan with XXXX XXXX. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit 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 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I have banked with American Express National Bank for years. I recently added my son, XXXX XXXX, to my account as a sub account holder. XXXX also recently started a job at the same place where I work. i was out of town this weekend and noticed that my account had been frozen and when I called, they informed me that is was 'Under reivew XXXX and they would let me know their decision in 2-3 business days, in the meantime giving me no access to my only source of income and leaving me stranded without funds. They gave me no reason as to why and there was absolutely no email, call, txt or any form of communication letting me know that my account was going to be reviewed which goes against their own privacy and procedure policy. The only reason I could think of that they would review my account was because my sons direct deposit was put into my account but since he is on the account there should have been no issues and it is ridiculous that they would hold my entire account for what could have been resolved with a simple phone call. This is my only source of income and now they have taken my access to my funds and I need this resolved immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
XXXX complaint # 15 days and no answer. Don't worry they've been doing this to me since XX/XX/2020. Navy Federal Credit Union has gotten too big, if it is unable to take money from you in loans, overdrafts, and transaction fees, it doesn't want your business. It just doesn't answer your problems. If I don't have to listen, then I don't care. I keep getting these log-into your account emails, then they lie to me. Keep an accurate document trail, then do like I did to XXXX  XXXX XXXX, Never Ever put money in a XXXX account, but make sure you invest in their stock ... You'll get RICH. YUP. 
CFPB it appears is the same. I bet you're funded by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC bank does not allow my account to be linked with my XXXX account making it virtually impossible to use XXXX for investing. No-one can tell me why, it's " just not possible at this time ''. I'd love to use XXXX  to invest and trade, I'd love to keep my business with PNC, this is the first real issue I've had and don't understand why it's not possible. I'm no banker, but it seems like it's simple and reasonable to want this to be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
ACE Flare card closed my account XX/XX/2020. I contacted them to get the reason for the account closure. I've had nothing but problems with this company using my card. I am an XXXX American and once a couple of months ago, an ACE card rep said the XXXX word to me and put me on hold for 30 minutes and then the call just hung up .My card was put on fraud risk for each and every transaction I made. When Is asked about the remaining balance, I was put on hold and the call was hung up .The debit card number for this account was XXXX XXXX XXXX XXXX XX/XX/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 2020-06-14 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: CA

Complaint narrative:
Hello, I submitted credit dispute letters to TransUnion Consumer Solutions on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached TransUnion Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, TransUnion does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' TransUnion has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. TransUnion states in their TransUnion Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items TransUnion obtained from local, state and federal courts through a third-party vendor, XXXX. '' TransUnion made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see  attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court -  XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that TransUnion independently investigated my credit dispute request. TransUnion failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court -  XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that TransUnion did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my TransUnion credit report immediately. 

Please help me with this case. 

Thank you, 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 2020-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
It seems awfully convenient for Shellpoint Mortgage to never be able to access their online payment system ( which is supposedly a free processing cost )? If you use their phone system it is an additional {$5.00} charge, if you must go through one of their " customer service '' agents it's a {$15.00} charge. So needless to say if the online system NEVER WORKS the customer always must pay the {$5.00} or {$15.00} charge every month? How convenient??? Please you try, I've spent hours equal to days while trying to get into it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation