vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX  out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PR

Complaint narrative:
I dont recognized that debt with recovery collection. Dont know even what or from who it is and its Florida no communication nor debt in florida XXXX Erase that dont mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My mortgage is being serviced by Citizens Bank. I went on forbearance last year during COVID in XX/XX/XXXX. In XXXX of XXXX I requested a deferral agreement following the COVID forbearance and it was approved as of XX/XX/XXXX. I have made monthly payments since XX/XX/XXXX. However, my account is still reporting as in forbearance to the credit bureaus and on my mortgage statements. 

The payments I make each month are placed in a suspense account and despite calling over 100 times since XXXX to get this resolved, I have been told that this will only be resolved " once the system updates '' and that this is for my own protection. 

However, the problem is that I am in contract to purchase a home with a deposit in escrow and due to the current forbearance status I am unable to close on the property. If this continues to be an issue for much longer I will lose my deposit, as this property was being used as a bed and breakfast and they have every right to take my deposit due to lost revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I have attempted to contact Kohl 's corporation in regard to an allege debt that they are saying I owe. I have submitted three requests for " proof of validation. '' and to no prevail, I have not received any proof from Kohl 's showing that I am the one indeed legally obligated or responsible for this debt. However, I continue to receive inefficient documents from them. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Premium Credit Bureau
State: CA

Complaint narrative:
I have many inquiries at my credit report, I dont recognize it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have reached out to Equifax on XXXX separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the XXXX other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING, and send the required notifications to all furnishers of this information I have not initiated any transaction with, that obtained your credit report ]. Further, under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C. 1681n ( a ). 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
Fair Credit Reporting Act Section 605B

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 2022-02-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Ive reached out to Experian to request inquiries be removed from my credit report on XX/XX/2022 and previous dates. I have contacted the original creditor, XXXX to have it removed and filed a report of fraud. XXXX has provided me with a letter stating their unauthorized inquiry. I have also had unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX. Experian has refused to remove the inquiry from my credit file.

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 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I bought a car through XXXX on XX/XX/2021 which I financed through USAA. The contact info for XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX Fax. The amount for the car was listed at {$43000.00} before I requested tax, tags, and title pricing to be added bringing the total amount due to {$47000.00}. It has been a total of roughly five months and XXXX has yet to cut me a check for the amount of {$3300.00} which I am owed. I have contacted the company at least sixty or more times about this and it is yet to be solved. It seems as if they have decided to take my money from me. Please help me. ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I have a charge on my account that is in collection with convergent outsourcing via XXXX in the amount of {$8000.00}. I have never used XXXX  service.

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 2022-02-07 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: MI

Complaint narrative:
I have reached out to XXXX on two separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the two other reporting agencies ( TransUnion and XXXX ), they have the same account listed with a late payment, however none of those dates match. TransUnion has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my XXXX XXXX is impacted negatively.

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit
State: MO

Complaint narrative:
I purchased the vehicle in XX/XX/XXXX in the amount of {$8000.00}. It's been ( 3 ) years and I still have a balance of over {$10000.00}. I'm paying {$350.00} per month. I've never missed a payment. I've already paid over {$10000.00}. The loan was differed ( 3 ) months in XXXX in the beginning of the pandemic. How can I possibly restore my credit when I have Volkswagen not having a arbitration policy or any way we can come to some type of consensus. This is just highway robbery. I need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: MD

Complaint narrative:
Experian, XXXX, and XXXX have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My XXXX XXXX  XXXX  accounts were transferred to citizens and it doesnt make sense today in the mail I received XXXX of the same cards wi to different limits when they look the same with XXXX  I had both were different XXXX and rewards were different why wouldnt they keep it the same or send me XXXX different card types why the same

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed have called Experian, XXXX, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.

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 2022-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX, XXXXXXXX XXXX I called Equifax to get information about a dispute that I submitted to them on XX/XX/2022 via mail. Records show that Equifax received my dispute letters on XX/XX/2022 ( USPS Tracking : XXXX ) but as I spoke to the Equifax representative, XXXX, she informed me that my disputes had not been looked into nor were they even documented. 

Per records on my Equifax online portal, the disputes were closed and opened within two days. I also received notifications that the information was updated on my credit report and confirmed by a credit monitoring company that I use. As I explained this to XXXX she assured me that there was no history of any documents or any disputes being opened or closed. 

As a consumer, this frightens me simply because I have been trying to remove these accounts from my report for over a year. This leads me to believe that they have never truly confirmed any information regarding these accounts. 

XXXX has already filed a complaint internally with Equifax ( Complaint # : XXXX ) but that is not enough. I demand that action be taken for the lack of professionalism by a company that is supposed to be looking out for the consumer. Please see attached screenshot in regards to the matter, along with copies of the letters that were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was interested in refinancing. I was given details and provided information to get rates and an estimate. When I told the person that I would think about it, they became aggressive and not willing to take no for an answer. I asked for more details via email and ended the phone call. I now receive at least 4 calls per day from Rocket Mortgage and when I ask to file a complaint, I am placed on hold and then the call is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Small Business Administration uses something called a " Vantage '' score, provided by Experian. I applied fo

r an SBA loan and was told my score with this firm was too low to qualify for a loan. I went to Experian 's website. It shows a FICO score but no
way to access a " Vantage '' score. This is important because the FICO score and the " Vantage '' scores from other credit bureaus appear to be different from the Experian Vantage score.

I called Experian and was told they don't offer a Vantage Credit Score report - despite the fact that their website offers that service for a one-time fee of {$7.00}. I applied for Experian 's " Connect '' product - cost {$14.00} - to see if I could get a copy of the Vantage score report. It told me I did not answer the personal questions
correctly. So it seems as though they don't really offer this service.

Regardless, Experian seems to charge for the Vantage score report- isn't that a violation of the law? And they don't seem to have an easy way to see what that report might entail - again, isn't that against the law?

With the US Government using this credit scoring method for something as important as SBA loans- during a pandemic - shouldn't there be more transparency around this process? A credit score I can't access - and can't correct - is being used for something important. Seems you guys should have a look.

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