vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-01 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 non-monetary relief
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2019 purchased a vehicle and had been preapproved with XXXX XXXX. Let Salesman XXXX XXXX and Finance manager XXXX I think his name was know I had preapproval. I do not want my credit submitted to any other Company. Made sure they clearly understood that and they said several times no problem, they wouldnt submit to anyone else. I get alert that there are several banks who have done an inquiry on me and consent was from XXXX. I called in and I speak with XXXX who im told is head of finance. She says the inquiries hard inquiries do not affect my credit and I tell her I know what I am seeing on my report. She stated her employee was just trying to get me a better rate and now he is the bad guy villian for trying to help me out. I told her I strictly told them I didnt want me info shopped around and was assured that it wouldnt be because I had a preapproval already. I get a call from store manager XXXX saying they were going to take care of the inquiries by submitting the information to the credit bureaus. XXXX never resolved the issue as the inquiries are still there as of today.

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 2020-10-01 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/2020, I paid the settlement amount arranged of {$430.00} ( the original amount was {$670.00} ) with the collection agency XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX for my account. I also received a letter after the settlement was paid. 

This week XXXX XXXX alerted me of a new derogatory debt on my XXXX  report. In XX/XX/2020, XXXX XXXX XXXX XXXX hired a second collection agency, Credence Resource Management, to collect the " balance '' from the original amount. The balance of the original amount is {$230.00}. This is unfair and illegal because this is the same account I previously settled with XXXX. This is the reason I am filing this complaint. 

On XX/XX/2020 at XXXX PM I spoke with XXXX to ask why did XXXX XXXX XXXX XXXX put another collection on my credit report to collect the balance for what has already been addressed and settled. I informed her that I have a settlement letter from XXXX dated XX/XX/2020. She did not care about it. Her response was, " You have a pending remaining balance. '' She repeated that several times like a robot and had no intention to remove this balance from my cancelled account and/or to request the credit company remove this from my credit report. 

This is illegal and unacceptable. I want that collection off of my credit report. I have worked hard to pay off my debts and I no longer owe XXXX XXXX XXXX XXXX a debt. They are trying to force me to pay or else hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: WA

Complaint narrative:
Back on XXXX XX/XX/2020, I made a lawful request for a free annual credit report as part of a credit card application. I had never made this free annual credit report request before and I made it directly online to Equifax, XXXX  and XXXX. I then received favorable credit reports immediately back from XXXX  and XXXX. My Equifax application was met with a lot of questions to me that made no sense and asked me if I had ever lived at any of the unknown addresses provided to me. I did not know any of the answers of the unusual questions asked of me and I made it clear in my online response to Equifax. Equifax then told me that I would have to write them to ask for a copy of my credit report, which I immediately did. However, the following day I received information that my credit card application had been denied due to damaging information provided by Equifax. On or about XXXX XX/XX/2020, I received a letter from Equifax that I would again need to resubmit my free credit report application to them, however, it was at this time that I noticed that Equifax had spelled my name wrong and again referred to information that I had no knowledge of. I immediately wrote back to them clearly pointing out who I was, my real name and the fact that I did not appreciate Equifax reporting false information about my credit history. They never responded. I wrote them again on XXXX XX/XX/2020 and again they refused to respond. I am sure I am not the only one that they have pulled this crass stunt with. Please investigate this malfeasance on the part of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX / XX/XX/2020 for 30 or 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX I was to appear in XXXX County Curt which I did The mortgage company is Wells Fargo, Wells Fargo had me do a XX/XX/XXXXmodification which I did and submitted to them. In XXXX sometime, governor XXXX did and executive order to stop foreclosures in process until XX/XX/XXXX the courts would re open .then. I was advised that my virtual court date was XXXX with Wells fargo and XXXX County court. Wells fargo approved and made an offer from XX/XX/XXXX-to XXXX, well in this time frame the courts were closed. Today I said I would like to take the offer made, The attorney stated form wells fargo that the offer is no longer valid, I stated this is not fair due to the pandemic how was I supposed to answer when everything was shut down due to executive order for XX/XX/XXXX. Then the Wells Fargo attorney stated that I need to re fill out application again and they may or may not except. I feel I am being taken advantage of during this pandemic and if they will not except my application I loose my home. I need help desperately. Is this legal that they can do this during a pandemic? how was I supposed to respond when courts shut down? Please help me I'm desperate. I can be reached by phone at XXXX or by e-mail at 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 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SLM CORPORATION
State: CA

Complaint narrative:
Hi there, I have a sallie Mae credit card, I have been making payments on time but I cant use the card. Upon call the company for last YEAR AND HALF they told me that the card has been blocked due to some fraudulent activity on the card. I said okay, now whats the fraudulent activity and they said I will have someone call you tomorrow and for past YEAR and Half no one has called me. They have been taking money from my account every single month. I didnt cancel my payment because it will affect my credit score. Last time when I called them they said administration will look into it and give a call back tomorrow, its almost one year and they never called me back. Each time I call them, they say their has been fraud activity on the account.I called them several times but always their answer would be same that they will call me tomorrow I called them again today and the story again. The number I have been calling is XXXX XXXX XXXX XXXX XXXX. 
I am going in circles so please help me before someone ruins my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I contacted Navy Federal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. Navy Federal informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused Navy Federal to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. Navy Federal admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. Navy Federal also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If Navy Federal would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NJ

Complaint narrative:
Submitted a dispute to Equifax with court documents to substantiate the erroneous chargeoff and lates on listed on my credit report and they refused to update my credit report. They also did not cite a valid reason why. This continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: AZ

Complaint narrative:
Experian keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.

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 2020-10-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was declined for a credit card from Costco, and subsequently found out that Best Buy CBNA reported negative information to the credit bureaus regarding an account that was closed in XX/XX/2016. This account was closed with a XXXX  balance and somehow, they are just now reporting it to the bureaus with a balance and as charged off account. I disputed it with the XXXX  and XXXX  and Best Buy CBNA quickly ( too quickly ) advised both those agencies that they confirmed their information was accurate without further explanation. I also sent Best Buy CBNA a separate letter disputing the information and requesting proof of this bogus debt and have not received a response as of yet.

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 2020-10-01 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: NV

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: AZ

Complaint narrative:
XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 as well as XX/XX/2020 there was a total of six unauthorized transactions that were posted on my prepaid account. Amounts all being {$50.00} USD and above. The company Bank Of America has done nothing to reimburse me my lost money or even allowed me to speak to someone. All they have done was close my account and I need my funds to be available to me this is ridiculous.

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