vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/21, I sent a letter requesting that XXXX XXXX XXXX reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of XX/XX/21, both Equifax and XXXX XXXX XXXX have failed to respond to my request. On XX/XX/21, Equifax responded by saying they did not have my authorization even though I sent copies of my License and Utility bill. I am also speaking with them on other issues all the time, and this is not the first time they have responded to other issues, so it is false that they do not have my authorization to fix this issue. This needs to be resolved because it is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello, On XX/XX/2021 upon checking my account I had a balance of over XXXX. I made a few purchases on XX/XX/2021. On XX/XX/2021 upon checking my account it was a negative balance of over XXXX. 

I contacted Citizens Bank on XX/XX/2021 and spoke to a banking representative. I explained my situation and the representative placed me on hold. After returning to the call she explained that there had been an banking error with the system on XX/XX/2021 that caused several transactions to disappear from the customers account. The representative assured me that Citizens was in the process of correcting this error and the accounts. I asked the representative how this would affect the over draft balance of over XXXX dollars on my account. I check my account on a daily basis and follow all transactions. The representative responded by saying that the accounts would be taken care of including the overdraft. Not confident with this response, especially due to the significant amount associated, I asked to speak to a manager. 

Upon speaking to a manager, she confirmed that the bank did occur technical errors on XX/XX/2021, however they would not be charging overdraft fee 's to the account. I asked the manager who would be responsible for the transactions suddenly disappearing causing for confusing in the balancing of the checking account. The manager stated that the bank would not be responsible for transactions made even though their system a problem occurred with their system that caused several transactions to disappear. I asked the manager to speak with someone above her and she stated that there was no one else that I could be transferred to. 

I do not feel that customers should be held responsible for banking errors. This situation has been very confusing and frustrating and without receiving any assistance from banking representatives at the institution that you trust with your funds it is very frustrating. I would appreciate any assistance in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BHFC Financial Services INC
State: AZ

Complaint narrative:
Recently noticed a derogatory debt from a repossession of a car purchased on XX/XX/2018. I never purchased a car from BHFC financial at any time in my life nor have a had a repossession of car from them or at this period of time. I bought a brand new car under XXXX XXXX on XX/XX/2018 have never made a late payment or even gotten a new car since my auto loan with XXXX started. This company is scamming people because I have never dealt with financial company in my life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
We are trying to refinance our house. Fifth third will not release the escrow. We sent an email to them on XXXX XXXX. XXXX XXXX of XXXX  XXXX  is refinancing for us. His number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: WA

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

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 2021-03-10 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: WA

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

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 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are at least six ( 6 ) instances where my name is being inaccurately reported.

6 different names that are not mine. I requested deletion of all names except my actual name.

There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address.

I requested deletion of all other addresses that was not mine.

There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported.

I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$10000.00} and a closed credit card account # XXXX which you claim I owe {$10000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to Navy Federal Credit Union agent of this matter and sent police report, affidavit, id, proof of address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am writing today in regards to my account with GM account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: KLS Financial Services, Inc
State: VA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigations results

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 2021-03-10 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank - closed 6 of my credit accounts without notice. When I called to discuss why one of my attempted transactions was denied ( I was using my Shell Gas Card ), which I pay off every month. I was so embarrassed that the card was denied. 

When I contacted Citibank, I was told that my account had been closed because I appear to be a credit risk to them based on the number of inquiries on my credit reports based on their recent review. I received no notice of this action. Upon further research on my part, I discovered that all my credit accounts that were issued by Citibank had all been closed. All but one had XXXX balances. 

When last checked, my credit scores were in the 700 's, I have no credit card debt. I have a mortgage and two car loans and a student loan. That's it. Although the mortgage and cars are joint with my spouse. Nonetheless, my credit is dang near perfect. I haven't seen an 800 score since my 20 's. 

I feel they closed my accounts unfairly. I don't see how I can be a credit risk when I have no debt and all my accounts are all paid on time.

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 2021-03-10 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and I've had repeated problems obtaining payoff statements from Specialized Loan Servicing LLC ( SLS ), a mortgage servicing company based in Colorado. Recently, as instructed by the SLS website, my office submitted at least 10 e-mail payoff requests over a 2-week period to XXXX, and attached to each request an executed " Third Party Authorization Form '' signed by the applicable borrower. However, we never received even a reply from SLS, much less the payoff statement that we requested. 

We have had similar problems in obtaining payoff statements from SLS on many other occasions in the past. 

When we've called to discuss the issue with SLS, we get the run-around, so the persistent problem has never been resolved.

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 2021-03-10 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: TX

Complaint narrative:
the account is has been dispute multiple times with both attorney general and Equifax. The balance has been incorrect and also should only be one account not two accounts. They have failed to verify the account information and also when speak with the attorney general they have fail provide an letter stating that I have only one account instead of two.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am writing today in regards to my account with GM Financial account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
I was a graduate student at the XXXX  XXXX XXXX XXXX. In XXXX the endowment of XXXX took a massive hit and they needed to cut costs. The decided a few years later to post pay graduate students rather than prepay them. For this they designed a " gap '' loan that would cover the month that they weren't paying students. I filled out the paperwork and took the loan in XXXX. I graduated that year and I was not paid by the institute for the remaining time which was supposed to cover this loan. I don't owe them anything and so I didn't pay it. In any case it was put on my credit report. Experian isn't supposed to keep bad items on your credit report after 7 years it has been 12. I have had this negative information on my credit report since them and I never owed any money.

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolsFirst FCU CHARGED MY ACCOUNT {$320.00} for a XXXX XXXX vacuum that was RETURNED. XXXX sent an email to me verifying the return. XXXX lied & claimed it wasnt the same vacuum. When I demanded proof, they did not reply and KEPT my money and CLOSED my XXXX account after my having this account for over 10 years. I disputed the charge with SchoolsFirst FCU but they did believe XXXX. I demanded PROOF from XXXX that the return was damaged or not the same. Absolutely NOTHING was sent! XXXX NEVER sent back anything ; never sent proof but they KEPT THE RETURN and KEPT MY MONEY! 

Schools First Supervisor XXXX AGREED with XXXX in spite of the evidence to the contrary and she charged back my account {$320.00} causing my account to go into the negative on XX/XX/2021. 


XXXX & XXXX at XXXXchoolsFirst FCU have demanded that I should have kept and paid for defective items and that I should have had continuously allow XXXX employees to fraudulently use and steal my debit card to make fraudulent purchases on my behalf. 

SchoolsFirst FCU AND XXXX continuously tell me that there is NO ONE who will refund me or who I can talk to or that someone will call you back. No one does but steals my money instead and keeps my account in the negative : /.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
I had express for months of the inaccurate information that Experian has included on my credit file. I have been in contact with Experian regarding an inaccurate reporting account. You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? On XX/XX/2021, I uploaded documentation to Experian from XXXX XXXX which is a third party/vendor, stated that the file of the public records was inaccurate. 
Therefore on your file the court name is not accurate - each bureau must report the actual name of the court, followed by [ city, state ]. Remove immediately. 
So I am included the correct name of the U.S. Bankruptcy Court Western District of Texas ( XXXX ) Bankruptcy Petition # : XXXX Experian has listed the file US BKPT CT TX 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