vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-10 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:
I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXX  is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent 5 different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. Wells Fargo is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.

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 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: PR

Complaint narrative:
Regards, I refer to claim XXXX, which was closed by providing a generic response that was never notified on the portal or sent by mail. Right now the COVID emergency was extended until XX/XX/2022 without charging interest and without payments. I have loans with several companies and Nelnet is the only one that is billing me interest as of XX/XX/2022. XXXX account says {$96.00} I share the images extracted from the Nel net portal. I await an answer according to my complaint, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Phone call received by company identified as Pacific Retrieval LLC, told me I owed them {XXXX for towing/tow yard charges on a XXXX XXXXr with me listed as the owner. I have never owned a XXXX XXXX, the vehicle was registered by the dmv under my ex-husband with XXXX  XXXX XXXX as the lienholder. The man said that my ex signed a release of liability on the vehicle which by law can not be done since the vehicle was legally owned by XXXX  XXXX XXXX. He said he would take this to court and my credit would sustain significant damage if I didn't pay him the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was notified by Suntrust ( Truist ) on XX/XX/XXXX that there was unauthorized access to my account. Fraudulent checks and withdrawals were used to take money out of my checking account. The bank stated they were investigating ( XXXX number XXXX XXXX ) however they refuse to return phone calls or provide a status of when they will be returning my money. I have called every XXXX weeks since XXXX with their response being " Call back in XXXX weeks '' I am on a fixed income and I believe they are trying to steal my retirement money. The bank has cameras all around and should be able to easily identify and arrest who committed this crime. These withdrawals happened in a different state from where I live.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX there has been some sort of system glitch in Equifax to wear my entire 14 years of credit history has been wiped I cant see it and creditors are unable to offer me credit because they are seeing it as well. DISAPPEARED! I contacted Equifax on three separate occasions on the third occasion I finally got to speak to a person who told me that in their computer nothing is gone but on my end my credit score dropped from XXXX to XXXX and shows me having absolutely no credit cards no mortgage no nothing. The gentleman I spoke with did not care about the situation would not let me speak to a technical advisor to see if there was an issue with the online application and refused to help me at all. Another friend of mine checked his and his credit is gone too!! Equifax has had another breach and they are not reporting it nor letting anyone in the public know about it. When you called they either hang up on you or refused to help!!! This negligence is keeping me from being able to fund my small business. And its destroying my credit rating even though the other two bureaus are up-to-date and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions NEW XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage

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 2022-03-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP
State: ME

Complaint narrative:
I have cancelled and fulfilled my obligations with XXXX I keep getting money taking out from my debit card even though i have cancelled and have confirmation of my cancellation. I have contacted them numerous times as well as my bank. Still getting billed. The last 2 charges were on XX/XX/2022 and then again on XX/XX/2022. My bank has reimburse me for the previous charges but have not stopped XXXX from withdrawing money from my account. I have placed a stop payment order with key bank and revoke authorization for XXXX to take money for there XXXX XXXX XXXX that i no longer have need or want and have cancelled. I have confirmation that they received my cancellation and they say they cancelled it but continue to bill me. Im not happy with key bank for not helping stop this matter and im not happy with XXXX. They only billing communication is through email. There is no actual human to talk to in person. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: OK

Complaint narrative:
XXXX XXXX XXXX purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by XXXX XXXX XXXX whom was informed by XXXX XXXX Credit that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. XXXX XXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. However this hasn't been the case. I also recall having to address this with XXXX XXXX XXXX  ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX  and CFPB in addition to any further action that may be taken against said mortgage servicer.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was invited to apply for the Apple Card from Goldman Sachs, I applied for the fifth time & again denied for the same ridiculous reason to many accounts with balances? Im attaching my credit score which is completely different from what they retrieved as well as all of my credit card balances which are time stamped with current XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
My mortgage company was Rushmore Loan Management Services. During the pandemic we applied for the forbearance assistance plan. We only used the plan for the month of XX/XX/XXXX. We continue to paid our mortgage on a monthly basis after that. I have proof that payment were made. In XXXX they sold out mortgage to another company The XXXX XXXX and now they state that we owe them about {$8000.00}. I have reach out to Rushmore and XXXX XXXX XXXX  and none of them want to help me get this straight and get my account current. I made a payment in XX/XX/XXXX {$4900.00} to XXXX XXXX XXXX. I need assistance to get this square. I am not afraid of losing my house because I have paid every single month. Please if some one can help me. This is a very sneaky way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-10 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX repossessed a truck from me after conducting a charged off on the vehicle loan account on XX/XX/XXXX and closed the account. It has been 7 years and the account dose not even shows on my credit report. Last night XXXX XX/XX/XXXX the truck was repossessed from Michigan and taken to Wisconsin. I call them and they want 4400 to return the truck but it has been a year past the statue of limitations on a contract loan in the state of michigan. The company will not even acknowledge this when i tell them and just ignores the statement.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
The past 3 weeks ago I had 2 different phone calls from 1. XXXX XXXX XXXX and the other is Regional Financial about online applications of {$10000.00} loan that I didn't apply for. I am afraid that my identity has been compromised. I also received some letters about some banking accounts being opening in my name and I don't know if there is more frauds going on. I also have a couple of hard inquiries on my credit report. Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XX/XX/2022, I sent a money transfer in the amount of {$1200.00} through moneygram to a relative in XXXX. Moneygram debited the funds from my bank account within 24 hours. However, the receiver was not able to pick up the money. After contacting a moneygram employee via telephone they stated that the transaction was under the review and that they needed to speak to the receiver. I decided to send the money through XXXX XXXX instead on XX/XX/2022. That same day on XX/XX/2022, I called moneygram to request a cancelation of the money transfer. Moneygram stated that they needed to speak to the receiver in order to cancel the transaction first which seemed odd and in contradiction to their cancelation policy on their website. On XX/XX/2022, the receiver contacted moneygram in XXXX and stated that he did not want to receive the money from me, the sender. The moneygram employee asked for his email address to supposedly send a confirmation which never arrived. Several hours later I contacted moneygram through a chat window on their website to cancel the transaction because the moneygram website would give me an error when I tried to cancel online stating that I needed to log into my account although I was logged in. The moneygram employee gave me the same generic information that the transaction was under review and that they needed to speak to the receiver so that the money could be paid out. I again stated to the moneygram employee that the receiver had already called and spoke to moneygram stating that he did not want to collect the funds. I again requested a cancelation and refund of my money. The agent gave me a telephone number to call moneygram again. It appears that this company is acting in bad faith and deliberately refuses to process the cancelation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed in their website with respect to their cancelation policy. I am filing this consumer complaint in order to obtain a cancelation and refund of money that moneygram debited from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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