vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX  XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX  XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX  XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the 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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to inquire about refinance options, the call was dropped before I could tell them my husband lost his job due to covid and I immediately got an alert from experian that XXXX XXXX pulled our credit and a mortgage application was started without our authorization. I immediately called Mr. XXXX back and filed a complaint, he acknowledged the illegal pull but has failed to fix it. I've called XXXX XXXX 15 times to fix this. I kept being told it will update from university on XX/XX/2021, but it has not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
XX/XX/2109, we had my daughter t the hospital. She is almost 2. 

The hospital sent bills, over and over with one listed as a XXXX. I called the hospital and talked to their financial people and they told me they didn't see that charge. I told them I have multiple prints of the bill with the XXXX listed. They told me they don't see that. 

I asked them to send me a bill with all the itemized amounts. They never did that. 

I tried to dispute it with the credit organization and nothing came from it. But, they did send me the medical bills and there WAS a bill with the XXXX that didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: AVANTE
State: DE

Complaint narrative:
On XX/XX/XXXX I was looking on XXXX for a house and I came across someone I thought was honest but turned out in fact to be a scammer they asked me to pay a small fee to get my credit report and send to them. I told them I sent it and a hour later or two something showed up on my credit report. They said XX/XX/XXXX I was at the doctors office and I owe XXXX. So I told them Ive reported them and they never emailed me back again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to inquire about refinance options, the call was dropped before I could tell them my husband lost his job due to covid and I immediately got an alert from experian that XXXX XXXX pulled our credit and a mortgage application was started without our authorization. I immediately called Mr. XXXX back and filed a complaint, he acknowledged the illegal pull but has failed to fix it. I've called XXXX XXXX 15 times to fix this. I kept being told it will update from university on XX/XX/2021, but it has not!

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 2021-01-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Applying to Experian for my free credit report ( initiated at http : //www.annualcreditreport.com/ ) Experian requires me to file a paper request saying : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent several letters to TransUnion disputing the Fraud public records on my report, each time I send in a letter asking them how this was verified they refuse to comply and sends out a copy of my report. Twice in the month of XX/XX/2020, I have sent FTC reports and police reports about the fraud public records and each time they send me a copy of my report, BUT never show me their method of verification. I also gone a step further and reached out to XXXX this year in XXXX and they sent me a copy of my report with them with NO public records found. I also know US courts does not give information to 3rd party agencies. So when I filed my police report to show proof this was fraud Transunion again failed to properly investigates those inaccurate public records. I have also sent a letter to the Attorney General to file a civil lawsuit because Transunion refuse to review my police report and thoroughly dispute. I have reached out to every 3rd party agency such XXXX, XXXX, XXXX, XXXX and all shows no reporting of public records.

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 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
I have not been able to use my Netspend card since XX/XX/20. I have available funds that I gave deposited as well as my Stimulus payment but the card declines when I try to use it in stores, online and at ATMs. I have tried to reach out to Netspend customer via secure message on the Netspend app, customer service ( XXXX ) but have received no response. The number rings busy and or I am placed on an extended hold then the line disconnects. I am not able to use the funds on my card.

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 2021-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This a my second complaint against Wells Fargo Home Mortgage. The reference number for the first complaint is XXXX, which was resolved by Wells Fargo, but it now appears I am being retaliated against because of that complaint. 
I applied for a VA home loan in early XXXX. My credit history is flawless, my debt to income ratio is low, and I have substantial assets to back up my mortgage. And, I have timely complied with every single document request from the loan processor, even though on several occasions I was asked to submit documents that I had already submitted. In addition, I made it absolutely clear to everyone involved in my loan review at Wells Fargo that I was on a very tight timeline to complete the loan by XX/XX/XXXX ( the scheduled close of escrow date ). I believed two full months to approve a loan was reasonable. Unfortunately, two individuals, my loan processor and my underwriter, didnt seem to agree. 
Its important to state that I am also in escrow on my current residence and must vacate by XX/XX/XXXX. 
Notwithstanding the facts that, my loan processor was unavailable for two weeks during my loan review, the underwriter was unavailable for a week at a critical time during the review, the underwriter waited until the last minute to ask for things that I could have provided in XXXX, and the underwriter requested unnecessary and irrelevant documentation - all of which have delayed loan approval. Yet, things would have been fine - had the underwriter not decided to sign off early on XX/XX/XXXX. 
On that date, by XXXX in the afternoon, I had finally been able to comply with ALL the underwriters demands for documentation. According to the two Wells Fargo loan consultants working my file ( XXXX and XXXX ), my loan should have been cleared to close on XX/XX/XXXX. However, the underwriter left work, early knowing full well that I was working hard to meet her demands so Id have enough time to ( barely ) close my escrow by XX/XX/XXXX. ( At that point, I was basically facing being without a place to live as of XX/XX/XXXX. ) I can only assume, at worst, that the underwriter intentionally delayed the clearing of my loan to retaliate against me for my previous complaint. At best, its a demonstration of callous indifference for the hard work Ive done to meet all her demands, both reasonable and unreasonable, as well as the hardship Im facing due to the delays she and the loan processor have caused. 
I realize that, by the time this complaint reaches the Wells Fargo executive team, l will have already been without a place to live for several days, at least. However, what Ive had to go through with my Wells Fargo loan process, needs to be addressed. 
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 monetary relief
Consumer complaint received 2021-01-02 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: Consolidated Information Services Solutions, LLC
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 settled debt with first progress and account obligation was met. Ive attached proof of This agreement made with first progress. However, equifax only updated dollar amount. Which, makes me feel as there was no initiate taken by agency to look at the documents I originally submitted regarding how this account reflects

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: DE

Complaint narrative:
the school has closed it is no longer under the same name as when i started they are being sued by employees as well as students for not notifying us of this change they arent paying their employees and are under a big lawsuit while attending the schoo school i never received the direct payment to me the school which was XXXX XXXX XXXX XXXX was cashing the checks to stay afloat now im on disability and can not afford to pay anything to them they have not accepted my disability letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I received the following text from XXXX Cash App : XXXX is your sign-in code. By entering, you agree to the Terms, E-Sign Consent, and Privacy Policy : https : //cash.app/legal/tos I do not have or ever owned a cash app so I went to cash app to try to get support and they wanted to do it all electronically and I wanted an 800 number to call them. I dont feel comfortable going through text or email I want to physically talk to somebody. 
Then I researched and it showed that I need to report it to consumer finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through Equifax 's data breach and stolen identity. yet my credit is constantly running without any alert of this or calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
The remaining balance with Exeter finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XX/XX/XXXX and XX/XX/XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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:
In XX/XX/2020, my Edd card was stolen and {$2800.00} was swiped at LA. I was working in XXXX XXXX at that time. After I found it, I called the Edd service department of Bank of America and the money was returned a few days later. But a week they buckle of return money, at the time I make a phone call to the bank of America and they said to provide work proved that at that time, I put my work and my when payroll manager phone fax them, in the meantime I made numerous calls, they say is processing need to wait for the past six months the silent until now, I am a civilian don't know what to do.this has seriously affected my life.

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 2021-01-02 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: Nelnet, Inc.
State: OH

Complaint narrative:
I am on an income driven payment plan for my FFEL Student Loans that are being serviced by Nelnet. On XX/XX/2020 I submitted my annual recertification and Nelnet sent me an email confirming that my application was received. I received no response to this application. On XX/XX/2020 I again submitted my annual recertification and Nelnet sent me an email confirming that my application was received. I received no response to this application. On XX/XX/2020, I submitted yet another application to have my loans recertified and again Nelnet sent me an email confirming my application was received. I received no response to this application. Around this same date, I sent a message to Nelnet through their website regarding this issue. I did receive a response to this inquiry stating that it would take 15 days for my request to be reviewed. 15 days came and went of course with no response from Nelnet. On XX/XX/XXXX, I sent another message to Nelnet through their website. On XX/XX/2020, I actually received an reply email from Nelnet. This time they stated that more information was needed to complete my application. I promptly provided the information that was requested. On XX/XX/2020, Nelnet approved my recertification application. In the meantime, my previous IDR expired, and Nelnet increased my payment from about {$240.00} to {$850.00} per month. I repeatedly told Nelnet that I can not afford this payment. Now, Nelnet has my loans 90 days past due and is reporting late payments to my credit report. I tried to contact Nelnet about this issue and, of course, they did not respond. I feel that Nelnets negligence caused this and my efforts to resolve this are fruitless. I hope you can help me. I have documentation of all requests I made to Nelnet if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.

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