vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: VA

Complaint narrative:
To Whom It May Concern, Thank you for taking the time to review this letter. I am requesting the removal of the disputed 90-day late mark on my credit report from Fed Loans Servicing Agency. I have previously disputed the aforementioned information on the basis of negligence during my account transfer from XXXX XXXX XXXX XXXX to Fed Loans Servicing. As a result of the unfortunate circumstance, the matter was investigated and my account was placed in forbearance during the period the negative mark was reported. 

Subsequent to the investigation and the acknowledgment of negligence, Fed Loans approved an administrative forbearance on my account for the months of XXXX through XXXX of 2019 and issued a letter on XX/XX/2019 notifying me the credit information would be corrected and submitted to the consumer reporting agencies. The letter also stated it would take approximately 60 days for updates to reflect on my credit report. However, months has passed since XXXX of 2019 and the disputed 90 day late status is still visible on my credit report for XXXX of 2019. I am respectfully requesting the complete removal of this negative mark on my credit report as I do not want this error to jeopardize my credit worthiness to potential creditors. 

Please consider this letter as a formal request to remove the Fed Loans 90 date late negative mark as soon as possible as I do not understand why a 90 day late status remains when my account was in forbearance. Enclosed is a copy of the aforementioned approved forbearance agreement and the credit correction submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NY

Complaint narrative:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from AES/XXXX XXXX. As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted AES/XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In the beginning of the year I applied for a mortgage refinance through my bank ( Navy Federal Credit Union ). I went through the process smoothly until the appraisal. The appraisal came back not in my favor as the amount was lower than the original appraisal when I purchased the house in XX/XX/2019, and I already have done work on the house to improve including flooring and changing major appliances. I asked for a reappraisal and presented documents of my original appraisal plus all the paperwork of house improvements. The reappraisal was denied ( which is their right I understand ) so I respectfully asked for the application to be withdrawn as I will not continue. First the locked my interest rate when I specifically asked for it to not be locked twice especially during this pandemic since I understand the interest will be lower and in my favor according the federal reserve multiple statements. I have it over the phone recording through them and twice through emails and it wasn't unlocked. After the appraisal situation, I asked for the application to be withdrawn, only to get this letter in the mail station " credit denial '' and when I emailed the mortgage processor, attached was her response as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credence Resource Management , LLC. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement - On XX/XX/2020 I received a dispute investigation response stating that the " creditor '' verified the account as valid. 

Credence Resource Management , LLC is listed as the creditor for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit reports. Did they reach out to themselves and verify the account status? On XX/XX/2020 I also received an itemized document to verify the referenced account. On XX/XX/2020 I responded with a second attempt requesting proof of the account accuracy at which point I never received a response. 

Credence Resource Management , LLC changed the name and creditor reporting to XXXX  resulting in additional harm to my credit scores after my first certified mail request. 

I believe that Credence Resource Management , LLC is acting in bad faith by attempting to collect a debt that is unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX  and XXXX. The account was listed as XXXX/Aspire   and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX  and XXXX  to have the account removed. Within 24 hours XXXX  notified me that the account was verified and would not be removed. I also contacted Aspire at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: SC

Complaint narrative:
Found credit card on XXXX that I never applied for. Reported it to XXXX. 

I still do not know what this elan card is. 

What is it and why is it on my report XXXX did not address this inquiry Who put this card in name?

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Due to my vacation being cancelled, I received a refund for flights and vacation package. The refund went back to my Citi Double Cash card. On XX/XX/2020, I contacted Citi via chat ( see attached documents ) to request that the money be transferred back into my bank account. The representative said it would take three to five business days to receive my money. 

On XX/XX/2020, after I did not receive the funds and still showing a very large credit balance on my Citi card, I contacted Citi customer service again via online chat. At that time, I was informed that they had to submit the request again because there were a couple of disputes on my account that were pending until XX/XX/XXXX, so the amount of my credit was changed to reflect the two disputes. I was, again, advised my money would reach my bank account in three to five business days. 

After two more attempts to get my money back ( XX/XX/XXXX and XX/XX/XXXX ) via the online chat, I contacted Citi by telephone and spoke to a manager on Wednesday, XX/XX/2020. The manager apologized for the inconvenience and reassured me that I would receive my money. He said that because of the large amount and the fact that Citi was not used to refunding such a large amount of money, they had to do a full investigation and it would only take another two to three business days to receive my money. I asked the manager if I would receive my money by Monday, XX/XX/2020. The manager replied, " You should receive it by Friday, XX/XX/2020. '' As of this date, XX/XX/2020, Citi continues to hold on to my money. The funds are still sitting as a large credit balance 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 monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} Transunion is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my Transunion report. As per Transunion, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX is reporting three ( 3 ) closed accounts will adverse payment history from XXXX The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting 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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX is reporting three ( 3 ) delinquent accounts from XXXX/XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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:
I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with Transunion and XXXX. The account was listed as XXXX and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with Transunion and XXXX  to have the account removed. Within 24 hours Transunion notified me that the account was verified and would not be removed. I also contacted XXXX at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.

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 2020-05-15 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$490.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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