vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: VA

Complaint narrative:
XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX  XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Request a new investigation and dispute re-insertion. A simple letter is sufficient : On XX/XX/2020 I discovered XXXX  XXXX XXXX had been re-inserted into my credit file. You are required to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

Neither XXXX  nor the collection agency has provided me with debt validation letter nor a reinsertion letter the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you. Additionally, the creditor who reinserts the negative item must also certify the information is correct.

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 2020-07-07 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: MO

Complaint narrative:
Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ XXXX  regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On TransUnion report under XXXX, instead of 2 accts. Only 1 acct. shows for XXXX, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all XXXX information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.

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 2020-07-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
As a young man with minor responsibilities I went into school to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a student I made the decision to get married to the love of my life and then came our beautiful two children. My responsibilities increased as my family depended on me. I had to divide my time to attending school, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a student has stretched out into part time student credits. Up until now, I still am a XXXX XXXX  trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. 

I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. 
I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Quit playing big brother and LET ME SPEND MY MONEY HOW I DECIDE AND STOP TELLING ME WHERE I CAN LINK MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: SC

Complaint narrative:
I wrote to cancel the loan before it was even deposited on XX/XX/2020 as outlined in The contract by writing. It said that I must submit it in writing to their email XXXX. I did this and received no response. Once the funds had been submitted into my account I called them and they said they would take the amount of the loan back with no charge on Friday XX/XX/2020. But I have received no written communication that the loan has indeed been cancelled. I followed the instructions in the contract to cancel the loan exactly as was stated. I just want clear written communication that the loan has indeed been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( Discover and XXXX XXXX ) have  refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. Discover was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, Discover refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. Discover has led us back and forth on this fraud claim even when we have tried to be diligent in our response. The court wants Discover to contact them but Discover has not done anything on the case. 

Please note that the account name XXXX be under a different name. My name before my marriage was XXXX XXXX. 

I am resubmitting this complaint because XXXX has not contacted me after I have attempted to call them on multiple

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I've made more than the minimum payment due for these accounts but still incurred two late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to Barclay 's to correct their error and no response was given.

I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank 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 2020-07-07 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: KY

Complaint narrative:
As a result of injuries I acquired from an on the job slip and fall, I was placed on XXXX leave in XX/XX/2019. That same month I made contact with XXXX XXXX XXXX   XXXX XXXX notifying them of my interuption of my employment and pay. They sent me forms for medical verification of my injuries and treatment. These were filled out and submitted by my doctor and myself and were faxed to XXXX and XXXX. Every month My XXXX account was showing not paid, I would call and was told that it was being processed. Finally in XXXX of 2019 the account received a balloon payment of {$150.00} to cover payments for XXXX, XXXX, XXXX, and XXXX. But my credit report shows 4 late payments to this account, indicating that the account was 120 days late in a payment being made. Prior to this period I had made all my payments on time. XXXX had even given me a {$300.00} increase in XX/XX/2019 necause of my excellent payment history. But because of XXXX 'XXXX delay in paying my account, my credit report shows 4 late payments and a credit line reduction of {$300.00}. After a year of XXXX making only minimum payments to my account, I resumed making the payment to my account on time and paying off the balance in three straight months of payments. I did what I was supposed to do and my credit is taking a hit because XXXXXXXX did not make the payments on time. I have been disputing this account withe credit bureaus and with phone calls to XXXX, who says I have to dispute with XXXX, and XXXX who says that I have to dispute it with XXXX. Both are the same entity. Every dispute reply is " meets the requirements '' and nothing is done to correct the problem. My credit is damaged by their delay in payment even though I paid for this account protection plan when I opened the 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 2020-07-07 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: MoneyLion Inc.
State: IL

Complaint narrative:
I have asked money lion several times to fix my credit report when they said I was late and it was beyond my control as they blocked my ability to pay the bill. Now co vid hit and I need my credit more then ever. They refuse to fix this. I Want the cfpb to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 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:
Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past XXXX XXXX XXXX. I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to XXXX they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. XXXX then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. Experian has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with XXXX  or contact information for my attorneys and no information has provided.

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 2020-07-07 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: NY

Complaint narrative:
The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX - on XXXX XXXX - Account # 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 2020-07-07 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: UT

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
1. On XX/XX/2020 Mr. XXXX XXXX NMLS XXXX contacted me to offer a reduction on my interest rate without a credit inquiry or documentation. I complete some information and signed what it was sent to me after I received documents to sign from XXXX XXXX XXXX title company. I was instructed not to pay XXXX and save it because like half of my monthly payment will be use towards closing. Time passes by an no words from the company. I called several times and Finally I spoke with XXXX XXXX.I explained to her and she told that the file expired but she can take a new application, I accepted and she offered a better interest rate actually 3.00 %, completed everything and to the same title company, time Past by and then I received a letter saying that I was past due on my payment. 
I called, explained and the Associate told me that in order to proceed and set up the closing I have to pay so I pay immediately two months XXXX that it was already late and XXXX. After Ms XXXX XXXX contacted me and ask me for a copy of my bank account statement and then a letter explained why my ex-wife was on my account, I did that immediately. Here was XXXX and a complete silent. Early on XXXX someone called me and told me that the closing was on XX/XX/XXXX XXXX : XXXX in my residences de that a notary will contact me with the amount I need to bring for the closing.Here is XX/XX/XXXX no body reach me so I called the notary person and he told me dont know the figures yeah. I called again near XXXX : XXXX and the notary told that just got the closing package and the amount to the closing over {$4000.00}. It was a huge surprise to me because I was told something about {$1700.00}. Obviously I wasnt prepare for that amount. So the title company contacted me and told me that the will send an urgent note to the Freedom Mortgage to contact me ASAP and never happened. I had been calling several times waiting for hours and the people I finally speak with the seems to not know nothing and not help at all. I doy know what happened with that Loan process, I have a late fee and most important I was reported to the credit bureau for late payment. I am asking the company to remove that late payment from the credit bureau as well to reimburse me the last late fee because I never asked to refinando I follow the instruya de not to pay. I need your help becau I Dont know to who I can talk in that company that gave some kind of understandable answer. The company again is Freedom Mortgage and my loan number is 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 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-07-07 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: UT

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: VA

Complaint narrative:
I've made more than the minimum payment due for these accounts but still incurred XXXX late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to XXXX 's to correct their error and no response was given. 
I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank 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 2020-07-07 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: VA

Complaint narrative:
I've made more than the minimum payment due for these accounts but still incurred XXXX late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to XXXX 's to correct their error and no response was given. 
I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank 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 2020-07-07 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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