vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
I sent a letter to equifax about a factual dispute for double reporting. I received a letter back saying verified. My equifax report clearly shows that equifax is breaking Fcra laws by double reporting. When I called after I received the verified letter I asked an equifax representative to mail me a method of verification to show me how they verified these duplicate accounts. The representative told me they dont do that but by law I have that right to request this. A called again a few days and spoke to a different rep they said they would have to open another dispute and contact the furnisher. Why am I having to wait another 30 days to get this resolved. I even faxed over my equifax credit report to XXXX XXXX XXXX and no one has removed this collection yet. It is driving down my credit score due to equifax reporting incorrectly. They do not investigate anything they live to just say verified but again this clearly shows a collection that is double reporting on my equifax credit report. Please delete this from my equifax report before I take legal action for failing to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit XXXX and XXXX has deliberately and continually ignored my demands to correct the information.

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 2022-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.

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 2022-04-15 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: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
I made a complaint on XX/XX/22 with Wakefield and Associates complaint # XXXX and the resolution was that they claimed that they have sent a request for deletion to the 3 credit reporting agencies on XX/XX/22 with the XXXX  and they have yet to follow through with their claim. They claim to be investigating since XX/XX/22. I check my credit report daily and pull my report weekly, I know that per company policies the 3 credit reporting agencies update negative requests immediately when they receive them. It has been 11 days since they made this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a loan with bank of America with an advertised rate of 3.29 % and as a platinum honors client I receive a 0.50 % discount. My credit is XXXX I am putting over 25 % down and have a loan value below the example presented on the BofA website. I was quoted at 3.59 % after the 0.50 % discount. That is 0.80 % higher than the advertised rate or 24.3 % higher than the advertised rate. This seems to be a case of false advertising. When I asked for a reason they would not provide it. All they would communicate is the rate is what the system determines. See below for the advertisement and the example.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited my sons check into my account and the check was put on hold and was supposed to be released on XX/XX/XXXX. On the XXXX I call and they say my account is restricted. Mind you my son lives in a different state and is XXXX XXXX XXXX XXXX. They say I have to bring in my son with me to a branch and this has never happened before. My Fiance who happens to be a XXXX  woman has had literally zero issues depositing my work checks in her account whenever I needed. I'm disappointed at this level of blatant discrimination in 2022. I spoke with employee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 

XXXX XXXX XXXX XXXX XXXX Account : XXXX. 

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

15 USC 1681 Section 604A section 2 : It statesa consumer reporting agency can not firnish an account without my written instructions. 
I submitted a complaint with the XXXX  and the Attorney Generals Office. The Collection Agency is volating my rights and costing me dearly.

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 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ending in # 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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
I have been attempted to work with XXXX XXXX XXXX XXXX XXXX, Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES ) and XXXX XXXX d/b/a XXXX XXXX XXXX Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES MERCEDES BENZ FINANCIAL SERVICES to act in the fiduciary capacity and act in the best interest of the BENEFICIARY ( XXXX : Banks-Beneficiary ) in this TRUST transaction XXXX I have sent the payment for settlement and closure of this account. They have chosen to still injure the beneficiary and now have damaged my property. 

This morning Mercedes Benz Financial Services sent someone to come steal my vehicle I am making record of how Mercedes Benz Financial Services Continues to violate Trust Law and continue to cause injury to the beneficiary. 

They have no provided any information, such as the on ledger and off ledger accounting, to show that they lent me anything to show that I owe them anything. By Trust law, I the benificiary have to right to request this information and the TRUSTEE should provide it on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AR

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

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason

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 2022-04-15 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: FISERV FINXACT CORE
State: AZ

Complaint narrative:
I don't owe this company this company is not licensed in the State of Az

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 2022-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DE

Complaint narrative:
Complaint against Federal Loan Servicing for debt forgiveness. It has been XXXX months since they have been reviewing my payments for forgivenss. I just got off the phone with XXXX at Loan Servicing and she said it can take at least XXXX years for payments to be reviewed. That is insane! What kind of agency is it ok to take so long to review payment history?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
XXXX, XXXX XXXX XXXX report 3 different and conflicting statuses of the " Foreclosure " willfully and knowingly obtained under fraudulent and criminal acts. Reporting status of Foreclosure, Foreclosure Redeemed , & Credit Grantor reclaimed collateral to settle defaulted mortgage. " Foreclosure Redeemed '' by legal definition reads that the homeowner was able to pay in full all cost accrued including back payments after the home was sold in the Foreclosure sale during a redemption period and has the legal right to live in the home. I have attached snap shots of the 3 different reports. The lack of consistency sends up red flags in the validity. USAA has been fined {$140.00} XXXX XXXX  due to violations in banking practices. 

Many of my Civil Rights have been violated due to criminal acts and cover ups. Acts supported by, documentation fraud, transaction fraud via fraudulent account numbers, wire transfers, altering loan numbers and VA Case numbers and the like. Illegal searches and seasure, of my property, and cruel and unusual punishment for USAA 's incompetent lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AES/PHEAA
State: IN

Complaint narrative:
US BKPT CT IL XXXX REF # XXXX and REF # XXXX REF # XXXX all bankruptcy were sent to the credit buerau for deletion.. All three credit bureau responded stated that the information was accurate. After contacting the bankruptcy court I received a letter stating that the court does NOT perform any activities with the credit bureau. Therefor the credit bureau remove all XXXX XXXX but then added one because of there illegal tacked in not performing the guidelines of the FCRA. At this time the bankruptcy are showing on my credit reports, which these creditors should be remove immediately. I have provided documentation of the deletion. 

FED LOAN SERV # XXXX Regarding these student loans account all account were deleted, even though you see deletion on the document. All three credit bureau refuse to remove all student loans that got deleted under the account number # XXXX. These account were consolidated paid off. Per the creditor they requested that the accounts were deleted as you can see. 

XXXX # XXXX as you can see bueraus are reporting this account open XX/XX/XXXX this account was open XX/XX/XXXX this account was fraud and you can see the account was deleted. This account is still showing on XXXX and XXXX the report information is wrong and also the creditor was deleted. I have enclosed the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I get {$75.00} paid on my behalf from my employer through XXXX. Twice now, Aidvantage has not posted the amount on my loans, but by the record on XXXX, this was paid on XX/XX/2022 and XX/XX/2022. I looked at the history in Aidvantage and they show an amount of {$0.00} paid. I could understand the XX/XX/2022 payment not being fully processed after only a week, but the one for XX/XX/2022 is another story. Considering they'll charge me daily interest when the CARES Act stuff expires, this is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CIT Bank ( https : //www.cit.com/ ) denied my application to open a XXXX XXXX account and refuse to provide a reason why. 

As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with CIT. I am not applying for a loan, I'm applying for a savings DEPOSIT account.

Company response to consumer: Closed with explanation