vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Equifax ; along with a data breach document regarding my personal information along with others were compromised from my previous school I attended and asked them to remove the following inquiries below : XXXX XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020. XXXX XXXX XXXX dated XX/XX/2020 I advised Equifax to provide me with following information below to in fact confirm these inquires. In which they did not provide in the letter the mailed to me dated XX/XX/2020. 

1. Name and title of person who pulled my credit. 
2. Date they purport I gave permission. 
3. Method they purport I gave them permission. Please include documentation of said permission By law I have the right to request verification of any inquiries and if the creditor can not provide the inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Back in XX/XX/2019 I called the company to make a payment arrangement on my account. At that point an arrangement was. Made, I paid {$120.00} and for each 5 months following I made the payments I was told to make. In fact, I did automatic withdrawals from my account to prove that I was willing and serious about paying this account. In XXXX I had changed my debt card number because of a fraud transaction on my card. Synchrony Bank called because the XXXX payment did not go through. 
I explained what happened, but before giving them my new card information I noticed the balance on the account was back up again by nearly {$400.00} dollars. 
I asked why, and the Rep. explained that the payments I was making were only to bring the account to current, however because it wasnt at full standard interest accumulated. 
Which I couldnt understand then or now, since I was making the amount given to me by them. If a larger or additional payment needed to be made then that should of been explained back in XXXX when I made the arrangement or at least be told, interest will still accumulate because the account was not up to date. 
I was under the impression that because they gave me a set amount and date that ad to be paid, that bringing the account current and to good standards was already being taken into consideration. 
Now the account is Closed, its STILL graining interest, I have called serval times to try and get that additional interest taken off so that I can clear the account, but the many different Reps. I have spoken to have all said there is nothing they can do. 
Now today, yet again I have tried to settled with them, and the Rep. today said, even if I do pay there is NO guarantee that it will show on my credit that I paid, but instead will reflect has a Write Off because the account is too old. 
I feel like this company is definitely trying to get over, this credit line was originally for {$1000.00} its early up to {$1600.00} even after I paid more than {$400.00}. 
This is very negatively effecting my credit that I am so hard trying to fix. 
Is there anything you can do to help?

Company Name is Synchrony Bank/ Care 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 2020-08-17 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
When checking my FICO credit score I found a drop in my credit. When viewing the reason as to why it dropped, it stated a " seriously delinquent '' account reported by Experian. However, when all credit reports were gathered, all accounts were current and paid as agreed without delinquency. When contacting Experian and speaking to a customer service rep, she stated that there was a mistake but that is would have to be elevated to someone else to fix. I have not heard back from them and when I call there is an automated phone directory that never reaches a representative or has a dedicated line to resolve issues that I have. 

Agency : Experian Original contact : XX/XX/2020 Spoke with customer Service : XX/XX/2020 Case Number : XXXX Follow up call:XX/XX/2020 - No response, went through automated phone directory with no resolution. 
Follow up call : XX/XX/2020 - No response, went through automated phone directory with no resolution. 

There is still a reported " Serious Delinquency '' on XX/XX/2020 while current credit reports for XX/XX/2020 state " all accounts paid as agreed ''. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
We started the process of attempting to refinance our home back towards the end of XXXX may be the beginning of XXXX. We have been in communication with Navy Federal Credit Union about our refinance throughout the whole entire process, I have called in numerous occasions we had a loan processor by the name of XXXX XXXX who was working on our file at the very beginning, for over 4 months we never heard anything from Navy Federal Credit Union. We have had friends go through the process of getting their home to refinance since mortgage rates have dropped and closed within 2 months. However, our file is still in process. I have sent numerous emails to XXXX XXXX and made numerous phone calls into the company to get a status update. Then what is worst is that I would get a dialer systems customer rep to call me to tell me that our loan is still in process. But why in the world is this taking soooo long to process? Obviously, interest rates are down and we understand that the company may be busy with the processing but all documents have been submitted and to get emails from this representative asking and requesting for duplicate information and then to have our credit pulled numerous times just to qualify seems to be unreasonable. Even when I call in to speak with a supervisor in processing NO ONE is able to take my call, nor is anyone available. 

My file has now been transferred to another representative who had to re-pull credit and now is not able to be reached so that we can try to continue this process. We have been at this process for over 5 months and this is not acceptable. The new representative has now quoted us a much higher interest rate ( when interest rates are steadily on the decline ). The interest rate we were approved for was at 3.625 % now we are being quoted much higher than this. We are still waiting on Navy Federal to contact us so that we can take advantage of the lower rates, but no one is able to answer questions about the process and tell me why the rates are going up when all over the news and the internet I see rates going down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There are two borrowers on my mortgage with Wells Fargo, B # 1 & B # 2. Both borrowers did NOT have loss of employment and are NOT experiencing financial hardship. B # 1 has TWO jobs and B # 2 has one job and are both still employed. B # 1 asked for forbearance without B # 2 knowing in XXXX, 2020 and no proof of financial hardship was requested by Wells Fargo. B # 2 saw the forbearance on their credit report and called Wells Fargo to ask that it be removed because it was unwanted and unnecessary and Wells Fargo said no. The added that both B # 1 and B # 2 are equally financially responsible for the loan, but B # 1 can place the forbearance on the account without B # 2 consent. After this Wells Fargo allowed another 3 months of forbearance to be added to the account without B # 2 consent. B # 2 feels that if they are financially responsible for the account then they should also have the authorization to approve a forbearance.

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 2020-08-17 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: PA

Complaint narrative:
I have spoken with numerous representatives of EQUIFAX repeatedly regarding deletion of an unauthorized inquiry from my credit file with them to no avail. Specifically, on XX/XX/2020 XXXXXXXX XXXX   inquired into my EQUIFAX file without my knowledge nor approval and I wish it deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: NJ

Complaint narrative:
The agency is attempting to collect a debt incorrect. The amount shown is not reflective of my insurance, which was provided to the original medical agency. I have attempted to resolve this matter with the company, as well as the collection agency. Attached is a copy of my insurance card, which was active at the time of service, and provided to the medical agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid off my mortgage with First Franklin Financial Corp. I sold my house and title company is holding my money because First Franklin failed to file satisfaction of 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 non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I received a letter from the creditor, XXXX XXXXXXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to  verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have 3 accounts in collections with Account Resolution Corp and have been trying to get them resolved one by one. Today XX/XX/XXXX I called to make sure a payment was received for one of the accounts which I was told by one representative it was on XX/XX/XXXX. She was about to note the account & put the request to have the account removed " adjusted '' from my credit and the call was lost. Per my last call ( before the payment ) on XX/XX/XXXX, I spoke with XXXX who advised that it would be removed from my credit and they report every Friday I believe. I was disconnected from the first rep today and didn't get her name so I called back and got XXXX. I believe I spoke with him before in the past and he was very rushy and rude and at first didn't even show I had made the payment. I was also trying to pay on another account and all he seemed concerned with was the payment which was only {$89.00}. I tried advising to him I had just talked to another rep and was disconnected and asked if I could talk to her. He never transfered the call and continued on. He never gave the mini XXXX either.I explained to him I just wanted to talk to the last person since I didn't have a lot time. I just wanted to make sure the other account was taking care of before proceeding. He said he'd have to place me on hold and look into this for the adjustment. Once I told him I would just call back and look into or contact someone else he became more irate insisting payment and made a remark that contacting someone else wouldn't do me any good. I was very upset upon the end of this call and just wanted the information to get these cleared up but I feel he was very insensitive of my situation and was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Unidentified number called XX/XX/XXXX to my XXXX cell number left message that stated paraphrased " I am XXXX XXXX summons was failed to be delivered contact the law firm in charge to receive the order number is XXXX with case number XXXX failure to respond will result in further legal proceeding to take place with or without you. '' Called number routed thru what seems like typical debt collector phone prompts. Get live person and he berates me. States debt is from Bank of America which was a valid debt and they knew my last 4 SSN. I stated that debt was settled ten years ago XX/XX/XXXX. He said I had to provided proof. Called back as i found the settlement letter. I asked for email to provide proof he gave it to me faster than a person could write it down then hung up on me. Called back to confirm email they hung up again. 

After calming down I believe the persons behavior was more of a scam then legit debt collector.

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 2020-08-17 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: OH

Complaint narrative:
I have called Citi credit cards over 20 times in the past 6 months. I called because I got a new phone and lost my wallet. I wanted to get a new card so I can set it up auto pay. I said I'd send my license etc. All phone calls are documents. They refused. I wasn't getting any statements and didn't know what to do. I called over 10 times to pay my bill. Anytime I put in my information, it says I don't exist. I then have stayed on the phone for two hours to have people hang up on me. I've done the call back and they have no clue where to send me to pay my bill. I tried the chat ( which is also documented ), they couldn't help. I have even resorted to writing an email last month to corporate asking for help in paying my bill, but still no response. I now saw that I have negative marks on my credit score due to them never letting me pay my bill or helping me. I don't get it. I work two full time jobs and a part time job. My father is sick and lost his job because of Covid. My mother can't work. I'm paying their bills as well as my own. I also wanted to get a loan for graduate school but now my credit is shot because no one will help me. No one. I don't know what else to do and I'm not this type of person. I work so hard to have my life ruined. It's not fair. I want some help please. I need someone to just tell me what to do and how to pay my bill. That's all.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: GA

Complaint narrative:
Transunion XXXX  XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to Transunion online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called XXXX, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of XXXX Pandemic, that is completely unacceptable.

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 2020-08-17 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.

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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