vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.

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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Ive written a letter and called American Express Serve about my sub account. My sub account has been locked and I cant close it or transfer the money to my main account so it can be used. I sent the letter in XXXX and have I not received a response. And Monday on the phone the representative could only tell me to send a letter. They werent able to escalate my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, Discover Student Loans put my student  loan in repayment, despite the letters I sent ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), through its secure message application, reporting that my account should not go into repayment because I am a XXXX student, and will remain under this status until my graduation, expected either in XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/XXXX, I am receiving a letter reporting that my student  account has been delinquent for 9 nine days, and informing me that it will be reported to the consumer reporting agencies. The letter also asks me to pay the monthly payment of {$640.00}, and my student  account online comes up with late payment. amount of 2 x {$640.00} = {$1200.00}. 

No matter what I explain to Discover Student Loan, I keep having representatives pretending that they base their decision on the report from my school, which is just inaccurate because I am enrolled XXXX 

I am therefore requesting action from the Consumer Financial Protection Bureau to get the current action from Discover Student Loan suspended, have the status of my student  loan account reversed to " in school  '' as it should be, and get an explanation from Discover Student Loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This account was bought out by XXXX XXXX  XXXX  and was paid and closed. Santander is still showing on my credit report even after XXXX bought the account and stopped reporting the account. I have contacted santander by phone and email to remove the account from reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The Experian credit bureau is reporting a bankruptcy public record on my credit report. This is not my account and may have been the result of a breach. The XXXX  credit bureau has already removed this inaccurate bankruptcy from my credit report. I have disputed this item several times with the credit bureau.

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 2020-07-01 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: AL

Complaint narrative:
In XXXX and XXXX of 2020 I sent dispute letters to this Credit Bureau disputing the unverified accounts XXXX XXXX, XXXX XXXX  and XXXX XXXX! 
I did not receive a response from this Credit Bureau neither in XXXX nor did I receive a response in XXXX indicating that an investigation has not been done. it has been well past 45 days and I am not understanding why I have not received a response. The address is correct on my dispute letters and I enclosed the proper documentation to start the investigation. So I'm contacting the cfpb to get this issue resolved Andmy investigation started. It has been well past 30 to 45 days and these accounts should have been deleted according to the laws of the Fair Credit Reporting. I sent in a third dispute letter XX/XX/2020 asking for removal of the unverified collection accounts because they are 30 days past the investigation time and I have not received a response and I still haven't received a response from this Credit Bureau. please cfpb help me with this issue. Thank you

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 2020-07-01 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: FL

Complaint narrative:
1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was transferred to Shellpoint Mortgage Servicing in XX/XX/2020. There was an escrow account set up to pay property taxes and insurance. A tax payment was due in XX/XX/2020. Shellpoint missed paying it and I reported that to them. They say they paid it in XX/XX/2020 with applicable delinquency fees but the country records show the amount has still not been paid. I have called numerous times and no one there has been at all helpful. At this point my taxes are 3 months late and the money has been deducted from my escrow balance but no one can tell me where it went. No one there returns calls or follows up as they promise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AL

Complaint narrative:
In XXXX and XXXX of 2020 I sent dispute letters to this Credit Bureau disputing the unverified accounts XXXX XXXX, XXXX XXXX  and XXXX XXXX! 
I did not receive a response from this Credit Bureau neither in XXXX nor did I receive a response in XXXX indicating that an investigation has not been done. it has been well past 45 days and I am not understanding why I have not received a response. The address is correct on my dispute letters and I enclosed the proper documentation to start the investigation. So I'm contacting the cfpb to get this issue resolved Andmy investigation started. It has been well past 30 to 45 days and these accounts should have been deleted according to the laws of the Fair Credit Reporting. I sent in a third dispute letter XX/XX/2020 asking for removal of the unverified collection accounts because they are 30 days past the investigation time and I have not received a response and I still haven't received a response from this Credit Bureau. please cfpb help me with this issue. Thank you

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 2020-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My wife and I applied for a VA 15 year mortgage through Navy Federal Credit Union in XX/XX/XXXX. More than six weeks later, it was denied for inadequate income. Navy Federal would not consider the more than {$400000.00} in annual income we would receive from the XX/XX/XXXX sale of XXXX XXXX that we owned for more than 30 years. Subsequently, Navy Federal moved us to a conventional, 30 year mortgage at a higher interest rate. 

The failure of Navy Federal to act timely, to look at the source of our income and how long we had that income was unconscionable in our eyes. From day one, it was clear that we had sold our business and our principal source of income was now through a 20 year contract with the employees who bought the business. By the time Navy Federal acted, we were so deep into the process, we were compelled to continue on the path they directed or we would have lost the home. The sellers had grown impatient with the delays. 

Particularly egregious to us was that in reviewing VA lending guidelines, as set out in VA pamphlet 26-7, we should have readily qualified for exceptions to requiring we have our new source of income for 24, as well as 12 months. Prior to starting our own XXXX XXXX XXXX XXXX, I had worked for the XXXX XXXX XXXX for eleven years. Out of XXXX XXXX, I started with XXXX as a XXXX XXXX and worked my way up to XXXX and XXXX XXXX   XXXX positions before resigning to start XXXX XXXX. With a college education, more than 40 years of work in the field and substantial earnings both before and after the sale of XXXX XXXX XXXX XXXX, we easily met the VA guidelines which clearly set out that decisions as to income should not be mechanically applied, but consider on a case-by-case basis using education, experience and past income and the likelihood it would continue. Over the five years between XXXX and XXXX we averaged annual growth in excess of 30 percent. 

We do not believe Navy Federal acted in a timely manner to deny our claim, thus denying me an opportunity to go with another lender. Furthermore, we believe Navy Federal, through their actions and failure to follow VA guidelines, deliberately directed us to file for a higher rate conventional mortgage, thus allowing Navy Federal to make more money on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
The company with portfolio recovery constantly contact me about a debt that I do not owe. I told them to stop contacting me and they still do so despite me instructing them to not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am submitting this claim against Bridgecrest Acceptance Corporation. I am looking for some support in getting Bridgecrest to  report my payments to the CRAs. I had to unfortunately file for bankruptcy in XX/XX/2018 and by law I had to list all of my debts, one being Bridgecrest, however I knew that I would not include them in the filing and that I would continue to make monthly payments on the loan and retain the car. On XXXX, I reached out to Bridgecrest and ask that they please report my payments and accurate history to the CRAs and the rep told me that once they get a Notice of Bankruptcy that they remove their trade-lines from all credit reports and that they would not be adding it back. She stated that the only why that I could get the trade-line reported is to refinance the loan with another lender. This seemed unfair! While I am paying on the car I like to get credit for my payments. I then reached out to XXXX   and XXXX to see if I could dispute and state that Bridgecrest is not reporting correct information and both reps stated that since they requested the trade-line be removed that I would have to work with the company, CFPB and even the XXXX to get them to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
The issue is with Santander Consumer auto loan. I purchased a vehicle on XX/XX/XXXX and the finances amount is {$16000.00}. A few days later I sent a payoff cashiers check ( with vehicle information, year, model, make, VIN ) to Santander Consumer USA. After that, 3 days later I called to see if there was anything else owed on the vehicle and to make sure everything went through smoothly. Representative told me that my account is still processing but I shouldnt worry about anything since I had the VIN on the cashiers check, it would be applied automatically as soon as my account was created. Santander took over two weeks to create my account during which they were charging me interest daily. I could not pay off the loan even though I tried. Now they put additional {$200.00} worth of interest even though I tried to pay off my loan just a few days after it was created. Daily interest generated is {$5.00}. They charging me for 37 days worth of interest even though I tried to pay off the loan not even a week after it was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Collection account from AFNI, INC ( Original creditor - XXXX XXXX XXXX XXXX ) added to my credit report in the amount of {$370.00} on XX/XX/2020. 

I have not been an XXXX XXXX XXXX XXXX customer for the past 8 years and have no knowledge of any remaining balance owed. This is the first time Ive ever heard of such claim. 

I have never heard of such company called AFNI, INC Please remove collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: SC

Complaint narrative:
I have contacted Equifax several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should  be blocked and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX  XXXX - XX/XX/XXXX XXXX   - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2017 my monthly current bills did not go through auto-bill. I reached out to the company and they said they saw the payment in the system but the bank rejected it. I was never notified, and the rejection caused me to get late payments. 

I contact the card holder and explained what happen, and I will pay the balance if they would remove the derogatory item. 

I can not get a mortgage because of this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have contacted XXXX XXXX on multiple occasions regarding an account that was opened in my name in XX/XX/2018 that I personally did not open, nor was I aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: URS Holding, LLC
State: WA

Complaint narrative:
On Monday, XX/XX/XXXX, I spoke to an agent in regard to my account with the University XXXX XXXX. Even though I do not believe I am responsible for the debt, I have tried to dispute it gets denied. I explained what happened- that I medically withdrew from school and should not have an amount due. 

I decided to speak with an agent to see if we could come to a settlement, but he refused. I asked to dispute it, but he said that it wouldn't matter. I told him I would speak to the University XXXX XXXX, and he said they wouldn't deal with me anymore. I told him I am not responsible for the debt, and he told me they would get my money regardless- that they will take my money from my taxes or garnish my wages if I don't pay. 

I am trying to work with the company but they just will not. 

TOP can be used for delinquent student loans, but not for a delinquent account at a school. - his threatening is illegal and not accurate.

Company response to consumer: Closed with explanation