vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: CT

Complaint narrative:
I have acquired US SSN number in XXXXXXXX XXXX and following that, I contacted the credit bureau-s ( Experian, XXXX and XXXX ) to update my file with my SSN number in place instead of the previous TIN number, under which I was registered with these agencies. 

My address and personal details otherwise have not changed. 

I have got a considerable ( over 6+ years ) of credit history with XXXX XXXX and XXXX XXXX XXXX whom have updated my SSN number accordingly in their files, and has started to send my credit history to all the credit bureau-s according to their associates. 

However, up until today Experian still has not recorded any information in my credit reports from XXXX XXXX , even though that those lenders confirmed to me at least two times during my calls with their customer service representatives that they have been sharing all such information with the credit bureaus. They even sent a so-called " manual pull '' of my credit history to Experian to make sure that this is reflected in my credit report. 

I have sent three ( 3 ) letters to Experian to investigate this issue, and properly update my credit file with those information from the lenders above.

1, In the first time, they did not even send me a reply 2, the second time i sent a new letter dated on XX/XX/2022, for which they failed to comprehend the issue at all in their reply, as their response was immaterial to the issue that I had raised 3, the third time I sent another letter on XX/XX/2022, for which they responded they did not have enough information to honor my request even though that my personal information is stored under my Experian ID which was in the letter This whole situation is a disgrace, considering that the other 2 credit bureaus XXXX XXXX XXXX has got no problem updating my records properly. As of now, I have no FICO score since due to the thin credit report from Experian. Because of this I was denied for loans on multiple occasion due to " inadequate '' credit history.

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 2022-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I read about deferring a payment with Bank of America due to Covid 19, I had had XXXX XXXX XXXX and asked if that would apply. I was told yes and was told all by phone that they would just tack the payment on at the end of my mortgage and that it WOULD NOT, effect my credit. Well that was a complete lie because they are now saying that I owe that payment now and it was in fact sent to the credit bureau. I have explained their mistake and they refuse to budge. I never would have deferred if I knew this to be the reality. Hoping you can help. Thank you in advance

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 2022-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/XXXX with a balance of {$620.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and I'm very concern because| believe this accounts was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: WI

Complaint narrative:
Equifax has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the XXXX XXXX XXXX and XXXX XXXX XXXXn credit card and XXXX  car loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IL

Complaint narrative:
Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( transunion and XXXX ) after transunion deleted it first! Account was reported closed XX/XX/2021

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 2022-08-28 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: IL

Complaint narrative:
Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except Experian. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and XXXX ) after XXXX deleted it first! Account was reported closed XX/XX/2021

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA has been charging me dozens of Returned Check Fees. I always pay USAA through online transfer from my different banks checking account, but so often it takes days before the payment is posted. This leads to me thinking I have more money in my checking account days after paying my CC bill, because the CC payment was slow on transferring my CC payment. Ive tried on multiple occasions to call before the payment is posted, and before receiving a RCF, but the always tell me its not their fault so they wont return any fees. Ive payed hundreds in fees with a {$500.00} limit CC. Because of these fees throughout the last 3-4 years I am over my limit 200 % and my credit is affected. USAA customer service has been very short and rude throughout these years. Ive been hung up on, and continuously transferred to multiple wrong departments. No compassion and no reasonable middle ground is given. Me, being a XXXX veteran and single father of a XXXX cant seem to get ahead of this and my credit, and therefore our lives, have greatly suffered due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My name is XXXX XXXX, I was affected by XXXX in XXXX XXXX XXXXs and XXXX after, Im appreciative and was approved for HAF program I currently have freedom mortgage as my servicer and I let them know my HAF was pending when doing a loan modification I was approved for HAF they were paying the entire amount that was on my partial claim and extra to pay a few months and actually allow me to catch up with other bills like my XXXX electric now at risk for disconnect, freedom mortgage actually sent the HAF payment back I was dumbfounded Ive called and messaged both HAF and freedom mortgage but it seems Im in a limbo and now have no idea what is going on.! they approved me for XXXX they returned XXXX please help as this is insane and Im just getting the run around thank u XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Also I has an overage in money on mortgage they wind up keeping that as well please help

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 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
A company called EOS collections has contacted me on numerous accounts about a debt I do not believe I owe. I have asked on four separate occasions for them to either provide validation of debt or cease and desist all contact. They continue to call me as recently as this Friday XXXX. But refuse to mail a debt validation to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Bank notified me that I will be penalized on XX/XX/2022 if I do not reverse the overdraft of {$80.00} that was fraudulently charged to my account by a tourism company. I have received numerous emails warning me that I must bring my account back up to balance. I disputed the transaction today. I have been unable to reach Ally 's customer service to speak to a human being about this matter. I am unable to log into my account on mobile due to their faulty app. I learned that there has been widespread fraudulent activity among Ally customers and I am confused as to why Ally has not been transparent about this information. They need to be penalized for their failure to protect banking customers ' personal information, and for their insistence on continuing to do business as usual without openly informing customers that this widespread fraudulent attack has occurred.

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 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX my XXXX account was hacked where I stored my bank user id and pwd. A fraud transaction of XXXX $ was used to pay someone credit card from 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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX, XXXX XXXX is still showing on my account! I demand this hard inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am trying to get the loan forgiveness program. I qualify and was told by my servicer that even though I have consolidated with them I would have to consolidate with another agency who was solely assuming the loan forgiveness responsibility. In order to do that I would have to sign in to the Federal /student Aid website and transfer my loan. I forgot my password and was unable to answer the security questions to gain access. The loans were taken out back in placed with my servicer back in XXXX. I no longer have the e-mail address or phone number I used to open the account. I sent a letter to Financial Aid informing them of my situation in XXXX XXXX to date I have not received any correspondence back from them and time is running out for the Loan forgiveness program. I am trying to understand why only one agency is responsible for this consolidation. There are thousands of applicants seeking this relief. As mentioned previously I have already consolidated with my current provider. Why can't they perform the application for the loan forgiveness?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IN

Complaint narrative:
I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-28 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: IN

Complaint narrative:
I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-28 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: IN

Complaint narrative:
I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My bank mistakingly stated I had a late payment and gave that info to the credit bureaus and the credit report for XX/XX/XXXX showed a XXXX  point drop. At this time I had my bank correct there mistake and the bank sent the credit Bureaus the correction and the XX/XX/XXXXXXXX  credit report showed the correction with a XXXX  point increase. You think this would be the end of this, but no only one credit reporting company TRANSUNION starts there campaign of harassment and neglect against me and my credit report, while we are trying to purchase a new home. On XX/XX/XXXX, TRANSUNION, the only one out of the 3 credit bureaus dropped my credit score XXXX points from XXXX a great score to XXXX a horrible score where I cant get a home loan due to no reason but there negligence due to this is the same account they say is still late. At this time I had my bank send TRANSUNION another letter stating my account was current, and on XX/XX/XXXX they adjusted my score back to its original and correct score of XXXX up XXXX points, you think this would be the end of this harassment and neglect, but you would be wrong. On XX/XX/XXXX once again TRANSUNION dropped my credit score XXXX points from XXXX to XXXX for the same exact account that my back notified them twice before was correct. This pattern of neglect and harassment from TRANSUNION is unacceptable, the other credit agencies scores remained correct. I am a XXXX XXXX XXXXXXXX vet, who has XXXX and XXXX XXXX, since these actions by TRANSUNION, I have had XXXX related issues increase and my XXXX  levels have been through the roof. This company needs to be held accountable!!!

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Inquires reporting I did not authorize showing on my Transunion report I want removed immediately. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I have reached out to companies and was told I would have to submit dispute. I also called Transunion and have written them several times to inform them of this and they have not done anything. I want these unauthorized inquiries deleted immediately as they were not made by me. Prof of address and ID has been 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 2022-08-28 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act, my rights have been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX recently switched from XXXX XXXX to Barclays. Since the switch it has been impossible to login online to access my account and make a payment. The URL is broken and continually says " We're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' If you click the link they provide, it takes you to another page that says the exact same thing. While you can make a payment over the phone, and I understand technical difficulties online, it has been this way for over a month, in the least. If you offer online payments, customers should actually be able to utilize that feature/function.

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