vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX  XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX 4.XXXX 5.XXXXXXXX XXXX 6.XXXX XXXX 7.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX  4.XXXX/XXXX   5XXXX XXXX 6.XXXX XXXX 7.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 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.

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 2020-09-15 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 was enrolled XXXX XXXX  in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I  have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-15 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: GA

Complaint narrative:
The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. Navient- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to Navient and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to Navient to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.

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 2020-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
Contacting me several times in a row after being sent to voicemail each time. When I am working, I can not answer my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I paid off Conns XX/XX/2020. After that in XXXX my wife and I started the process to build our dream home. In that process we found out Conns was still open. We then provided our builder the receipts showing we paid Conns then in XX/XX/2020 I received a call from Conns indicating they were attempting to collect a debt. I informed them that the account was paid in XXXX. After being on hold they realized it was and they will make a note. Two days later I received a call again this time Conns collections put a ticket for the issue to be resolved and it would not affect my credit. Well inXX/XX/2020 30 days before closing we being the closing process and Conns is showing I have a past due balance of {$600.00}. I called Conns and again they apologize and will put a ticket. Well every week I have had to call because my loan officer wants a letter from Conns indicating the account is paid in full or that the account has a XXXX  balance. Each time I call they say they cant do that but they will send the request to corporate so they can provide something in writing and I should receive it within 24hrs. Fast forward my wife and I are unable to close on our house and this is the second time my closing date will be pushed because of Conns in capability to provide us a letter even though they acknowledge that our account is paid off. In addition my credit score dropped 95 points because Conns put me in collections. I have had a XXXX  since Thursday XX/XX/2020 to move and now I am paying over {$500.00} to have this XXXX  and I still havent closed on my house. I called Conns again today XX/XX/2020 because I was supposed to close today and they indicated that they were sorry but the only thing they can do is send another request and open another ticket to get the issue resolved. We are going over 6 months since this account has been paid off and nothing has been done but ruin my credit and stopped my family and I from moving into our dream home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been a customer for 2+ years with American Express and have had a perfect payment history, and as of today my credit score is close to XXXX. I'm having a issue getting a credit line increase which makes no sense. The only customer support you can get is via a rep in XXXX, I would like a US agent to deal with this because it's not making any sense what's so ever why with a a close to XXXX credit score and a perfect payment history why am I having a hard time getting a credit line increase. I want a US based review of my account instead of when I call I get people not in this coutry who I can barely understand and it makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I went to macy 's and spent about XXXX $ worth of clothing the week before covid 19 was known. I have gone through XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. I needed to return some of the items. I told macys that I can't pay the bill until I return the items b/c I dont ' know how much to pay. they told me ok. Then in middle of summer the credit people called me and I told them I would pay some of the balance if they stop harassing me and calling me 4 times a day as long as they give me time until my dr says ok to go to malls. finally dr said I can go and I went right away and returned XXXX dollars worth of merchandise. macys refuses to take off 2 late fees and all the interest. I told them probably 30 times with 30 diff representatives that they are harrasing me and I will pay everything I owe but will not pay any interest or late fees b/c it was not in my control. offered to get them a dr note. they would keep me on the  phone for an hour and at the end say there is nothing they can do. will not take off. finally today I called myself so I can try to fix this finally and spoke to a manager by the name of XXXX XXXX. He was extremely obnoxious and yelling at me to let him talk. I was shocked. he again said he will not take off the late fees.Macys is harassing me and trying to steal from me. it is not honest and I feel they are being XXXX. it doesn't have to be a religion. they are taking advantage of me b/c of my XXXX XXXX XXXX. I want to call my lawyer but dont ' have the money now due to my business being pushed down b/c of covid. I would live to report MACYS CREDIT CARD for HARRASMENT AND TAKING ADVANTAGE OF ME and LYING TO ME. How do I proceed with this?

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 2020-09-15 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: VA

Complaint narrative:
Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX  to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items  must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX  didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I have filed a FTC report and the company Ability Recovery Services responded asking for a police report. Why is that necessary when I have proved that the Date of Birth on the enrollment form does not match my Date of Birth and the signature was forged! How is this even legal to continue attempting to collect a debt that is not mine and has been proven not to be mine..

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 2020-09-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX - XXXX is reporting a debt on my credit file that I do not owe. This debt is erroneous and I can not believe this is still reporting on my credit file. 
This debt was paid years ago and it needs to off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have a mortgage with US BANK. I have come to find out that the bank has deleted all of my Credit Reporting trade lines on all major cbrs. I had a tennant since 2013. They were aware it was a rental property. My Renter filed a chapter XXXX bankruptcy. not myself. The bank used her address and considered my loan bankrupt. This has been going on since 2013. I have not received credit for payments made for over 6 years.

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 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I called Flagship Credit Acceptance to request a payment due date change from the XXXX of the month to the XXXX to correlate with my payday. I was not accommodate and my car payment became past-due and I was charged {$900.00} in late fee .Also, The late payment was reported on my credit report. I was told the late fee would be push to the end of the loan and that has not happened. I have called several time regarding this matter and have not received any help.

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