vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I acquired a mortgage with XXXX XXXX XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because XXXX XXXX placed derogatory credit information with Trans Union. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to XXXX XXXX during the time reported to TransUnion, I found that XXXX XXXX was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with Transunion in XX/XX/XXXX. 

On XX/XX/XXXX Transunion returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, Transunion updated the information on my credit report, pertaining to XXXX XXXX account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting Transunion 's disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to XXXX XXXX is not in service. 

XXXX XXXX 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when XXXX XXXX increased the amount of months reported past due to Trans Union. My credit score has substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This was XXXX I tried using my XXXX card and found out it was locked up so called bank of america XXXX and they just kept passing me from one person to the next and so I tried again today and now they phones anit working I find it stupid of 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 non-monetary relief
Consumer complaint received 2020-09-25 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: NV

Complaint narrative:
I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit 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 2020-09-25 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: LA

Complaint narrative:
I have reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
Hello, I continuously have submitted certified letters to all three credit bureaus making them aware of my address change for a while now, Discover Bank updated my address and remove the late payment due to my statements werent going to the correct address and thats against the Fair Credit Billing Act ( FCBA ), however a month later they added the late payment back and I didnt receive anything in writing that an inaccurate delinquent payment would be added back on my credit and that is against the consumer protection law, it requires a 5 day written notice prior to reinserting deleted items. I'm asking that you delete this inaccurate late payment due to my statement didn't go to correct address and that you update my address so that my statements can come to my home address which is the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I was turned down for foreclosure assistance. The investor doesn't offer any type of assistance. I have completed a mortgage application and was first told it will not be looked at because it was less than 37 days. My auction date is XX/XX/XXXX and the application was submitted and completed XX/XX/XXXX. I was informed that closed the file on XX/XX/XXXX. I've been in contact with Fay Servicing since XX/XX/XXXX and no assistance has been offered just proceeding with the foreclosure process. I, along with XXXX XXXX XXXX XXXX have been in weekly contact with Fay Servicing trying to get Fay Servicing to speak with me and verify I was the successor in interest. I have sent in numerous court documents showing my interest in the property ( I reside in ). I have emails of me reaching out to the foreclosure attorney expressing how Fay Servicing was not trying help me or look at my court documents. It was not until XX/XX/XXXX XXXX XXXX XXXX took another step and put pressure on Fay Servicing and after months of stress and worry I was finally confirmed Successor In Interest when I was confirmed over a year ago. In the mean time Fay Servicing is still processing a foreclosure even though I had an open case for assistance. I can never reach my relationship manager and if you speak with another manager they all say the same thing, you need to speak with your manger there is nothing I can do. Since XX/XX/XXXX I have left voicemails and emails for my relationship manager. I still have an auction date set for XX/XX/XXXX and need {$35000.00} to bring my account current. I don't have that type of money and if I did I would just pay the past due and go on with my life. This is maybe my 4 complaint against the company. I even had XXXX XXXX agency assisting in the matter. They made conference calls and heard the non nonchalant concerns regarding my account. I feel as if this is a ploy to foreclosure on my home without providing assistance. I was told my house has no equity and that's not true. The house is valued close to $ XXXX and I owe {$83000.00}. I just need help and justice as I feel Fay Serving is  trying to take my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My business checking was closed 2 days after I opened it and bank won't give me a reason for why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: DISCOVER BANK
State: TN

Complaint narrative:
All 3 Credit Bureaues are reporting that I have 2 Discover Bank accounts and thats inaccurate information, I only have one up to date paid as agreed with no delinquents credit card account. Its also reporting that I opened my Discover account in XXXX and thats inaccurate. I opened the account in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Upon getting a new vehicle, i voluntarily surrendered my vehicle and made a verbal agreement on the phone with bank rep to pay {$100.00} per month. After the vehicle was auctioned off the bank requested the full amount which was over {$5000.00} immediately. After telling them i could not pay all that up front and that an agreement was made for {$100.00} per month, the bank decided to threaten me with a lawyer who never called me and now we have to go to court. They auctioned the vehicle for less than what the value was then tacked on a repo fee also. Credit acceptance also has added an unfair amount of interest on the loan.

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 2020-09-25 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:
My information was involved in the Equifax Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my Equifax and XXXX  report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX  account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I only used XXXX once and returned everything I bought using it. The company will not leave me alone and continues to mail me bills saying I owe them debt. I do not owe them anything as I have never used XXXX since I returned all of the items. I would appreciate if Midland Credit Management would stop mailing me bills saying I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I did not get notified about this debt. It appeared on my credit report. I sent a letter asking them to validate the debt and they could not. This debt was opened in XXXX of 2019 in the amount of {$360.00}. I asked them for a full accounting which they could not provide. This account is on my credit report and they cant even show it belongs to me or where they got the balances or anything.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax NEVER allows me to access my request of my credit report. The other two companies allow it but they do not. This has happened for years. 

Why can not I not get my credit report either through their site or XXXX? They make it needlessly difficult and do not care to assist. 

In another case, after trying to unfreeze my credit, they would not assist me over the telephone in unfreezing it. They REFUSED to help me and said it would have to be done by mail. Even when I did everything they asked my mail, they would not unfreeze my credit. 

They do not deserve to be in business as they do not serve the American public ; rather, they wish to be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: LA

Complaint narrative:
The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NV

Complaint narrative:
I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit 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 2020-09-25 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: NV

Complaint narrative:
I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CA

Complaint narrative:
I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX  notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.

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 2020-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I had previously been a student at XXXX XXXX whom lied to students promising them so many opportunities in real light they lied in order to make a profit. They were sued by the federal government based on overcharges on federal student loans. They committed fraud against students but yet because of their actions and the fact I believed them I am forced to pay back these loans. I am demanding that my loans be forgiven! I am angry and refuse to pay for these loans based on this fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Began making payments with loan servicer Navient in XX/XX/XXXX, the original loan was for {$16000.00}. The capitalized interest was {$4800.00}. The total loan with capitalized interest added in was {$21000.00} when repayments were initiated on XX/XX/XXXX. The interest percentage rate is 4.875 %. Since XX/XX/XXXX, payments of {$160.00} have been made every month. Life of loan payments paid to Navient total {$7600.00} as of XX/XX/XXXX. The current total balance as of XX/XX/XXXX is {$21000.00} and the current unpaid principle is {$21000.00}. Navient is not been applying any of my payments to the total loan principle that includes the capitalized interest and the original loan of {$21000.00} for the last almost 4 years of payments, claiming that the payments have been applied to the capitalized interest separately. The capitalized interest was already added to my original loan in the beginning of servicing, therefore they are double charging me on the capitalized interest. Navient claims the capitalized interest was a separate balance from my current total balance when in fact it was already added into the total balance in XXXX. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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
State: NY

Complaint narrative:
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

1. I have never been late with payments on this account.

WFHM Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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