vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: CT

Complaint narrative:
I have been trying to get Equifax to correct the incorrect information on my report since XXXX. Equifax stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE EQUIFAX REPORT -- NOT ON ANY OTHER REPORT. 
IN ADDITION -- THE ERROR MADE INDICATED I HAD A XXXX XXXX CHARGE CARD WITH OUTSTANDING BALANCES. 
I DO NOT NOR EVER HAD A XXXX XXXX CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF XXXX XXXX CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. 

AND EQUIFAX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. 
PLEASE ADD THE XXXX XXXX INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME EQUIFAX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
Today, XX/XX/2019 at XXXX p.m. I received a call from XXXX - XXXX - XXXX - XXXX. I answered the call and the caller asked to speak to XXXX XXXX. I said this is she. The caller then asked to verify my birth date. I refused and asked him to identify himself. He did not identify himself. He stated that this phone call could be monitored or recorded. I flatly asked him at that point if he was a debt collector. He did not answer me. Instead he said who have you spoken with? I said I haven't spoken with anyone. I again asked him if he was a debt collector. He stated he was calling from Wakefield and Associates. That is all. He did not give his name or say that he was calling regarding the collection of a debt. I informed him at that moment that if he was a debt collector he is supposed to inform me of that when he calls me. I hung up the phone. I have not received a return call from this company. I looked them up on the internet, and only then could I determine that this company was a debt collection agency. I left a review for this company outlining the correspondence that I had with them and that it was in violation of the fair debt collection practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NJ

Complaint narrative:
Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a XXXX endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to XXXX XXXX XXXX because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.

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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a 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 explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I placed a freeze on my credit with Experian. I did not get a confirmation email stating it was in place as I should have. I tried to find a way to contact them to get a verification email, however, there is no way to talk to a person there. It just keeps giving you the same automated 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 2019-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to Bank of America complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX  has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called Bank of America, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?

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 monetary relief
Consumer complaint received 2019-07-30 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: GA

Complaint narrative:
On XX/XX/XXXX I recieved an email from XXXX a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my XXXX card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My Amazon store credit card handled by Synchrony bank, is telling me I am late with a my payment that is due on XX/XX/2019. I sent them a XXXX XXXX money order ( XXXX ) on XX/XX/2019 for an amount of XXXX. I have not tried to contact them, I remember their poor customer treatment from dealing with them in the late XXXX 's and I am glad to see that XXXX will soon stop using them. I will stop using this card once I get it paid off, which due to my inability to get a debt consolidation loan will take some time. However I am not nor was I late on this payment for XX/XX/2019. 
Synchrony Bank should be fined heavily and preferably be put out of business along with their CEOs and upper management placed in prison. They obviously still believe in ripping people off.

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 monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Several times I asked agents at Prestige Financial Service not to contact me by phone concerning my car loan, yet they persistently called me four to five times daily during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. I was even called by an agent named XXXX on XX/XX/XXXX repeatedly although I texted her to tell her I was at my Mother-in-Laws funeral. I made payments om this vehicle for three and a half years, yet they are saying that the payments went to principle and that the amount owed is nearly as high as the purchase price. Also I was told by an supervisor named XXXX XXXX, that they were in violation for calling after I repeatedly as them not to call me anymore, yet XXXX XXXX, XXXX XXXX, and Ms. XXXX continued to call, especially during my work hours, which landed me in a lot of trouble by my phone continually ringing. 
Now that I have agreed to surrender the car ( which they have ) they are still reporting it to all three credit bureaus that I'm missing payments. 
I'm asking that you please help me in getting this straight and getting Prestige Financial Service out of my life for good. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Mortgage application was rejected verbally on XX/XX/2019 by Bank of America Based on my XXXX Status the Loan Officer told me the Underwriter cant recognize me legally present in the U.S.A and she will reject my application and she already consulted her supervisors and they all agree on the statement she made and all my attempts to have a written letter failed until XX/XX/XXXX I received a letter stated Your loan is not eligible for the program for which you applied. 

I have valid Employment Work Authorization ( EAD ) issued by the XXXX and it was renewed two times, I have been employed for more than three years, filed my taxes and already provided Bank of America with the required documentation. 

HUD and XXXX XXXX both agree on the following in the guidelines The borrower must currently be legally present in the United States. XXXX XXXX considers a borrower to be legally present in the U.S. if they have the following documentation : Valid Social Security Number ( SSN ), OR Individual Taxpayer Identification Number ( ITIN ), AND Current ( unexpired ) Employment Authorization Document ( EAD ), OR Other documentation showing XXXX   status is current/unexpired ( e.g. XXXX XXXX, XXXX XXXX, etc. ) The borrower meets all other standard employment and income requirements as required by the XXXX Findings. 

I have contacted 6 other lenders and they all agree on my eligibility to apply for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Security breach/privacy information not protected by Capital one ... I am asking the acct ending in XXXX and XXXX my personal capital one cards that are close because I suspected strange activity and capital one did nothing. When I called around the time the government shutdown they refused to do anything about my concerns, so I closed the accounts. Due to the large security breach I am a victim I know my social security number and information was hacked I get calls and i feel they did not protect my personal Information now I have all these strange things happening to my life. I want both personal capital one accts removed acct XXXX and XXXX from all 3 credit bureaus in lieu of me filing a case with a lawyer regarding my personal information being compromised and not protected by Capital one. The amounts of XXXX from acct XXXX plus acct XXXX balance XXXX I would like for both closed account to be remove due to this breach and incorrect balances on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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.

Complaint narrative:
XXXX XXXX took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a 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 explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied for a secure credit card with Citibank in the amount of {$200.00}. After receiving the card, I used {$200.00} and when I got the bill I saw the enormous interest rate. I contacted Citibank during the billing cycle and stated I wanted to close my account. They said that it would take 2 billing cycles but as long as I didnt make any additional charges, I would be fine and no additional fees would be applied. Well over the course of 6 months they continued to charge fees which added up to {$220.00}, although I NEVER made another purchase. I tried to no avail through calls, online credit bureau disputes etc, to no avail. in my last call to Citibank I was told that they would come after me for the money it would just remain on 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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
On XX/XX/19 I planned on buying a home in AZ. I worked with Guild Mortgage and they pulled my credit to get a conventional loan started. We were not able to continue with the finalization and issue of credit with this loan because we did not end up buying the home. 

I am now trying to buy a home and with this hard credit pull for a mortgage on my credit history, It will make our interest rate higher, because of a lower credit score. 

Since I did not acquire credit and look forward to now buying a home, it would help us greatly to have this credit pull removed from all 3 bureaus so we can reapply at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
After 2 category 5 hurricanes, Nelnet offered me forbearance. I declined, because I was helping to evacuate, and couldn't leave. I finally got the energy, after working in mold for 1 1/2 years to make the move. Now Nelnet won't give me forbearance until I find a job in FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Firstly, you need to add a new section for complaints about scores changing or going down when there is nothing that changed. 

Transunion reduced my score by 11 points and I quote " we saw no changes to your credit report ''????????? 

I have paid off credit cards and my score has gone down I have paid cards to XXXX from {$1000.00} - {$2000.00} and get 2-5 points, but let my balance go up on a card from $ XXXX {$100.00} and my score drops 60 points. 

I will keep sending these complaints until someone listens to them.

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