vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : 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 2020-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I am still waiting to resolve my dispute with Fedloan regarding my identity theft application however, upon further review of my account online 2 of the 3 loans are showing up as cancelled disbursements. 2 of the student loans show the disbursements were cancelled yet I have still been responsible for the entire  balance of all these loans and when I asked Fedloan for further info they havent addressed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have pulled my credit report from all three credit companies. XXXX  XXXX, XXXX  XXXX, XXXX XXXX ( XX/XX/2020 ). These credit scores came from Annual credit Report Request Services. In getting a mortgage for a home ( FICO ) USAA credit pulled ( Annual Credit Report Request Service ), XXXX XXXX, XXXX  XXXX, XXXX  XXXX ( XX/XX/2020 ). It's being report on my FICO credit report serious delinquency. The information from my credit report doesn't report serious delinquency so, where is the FICO score getting their information. I am a XXXX retire veteran who is concern. USAA and others gives you know dispute process or any understanding of why the scores are so different. In, fact, I have never been late before are during my chapter XXXX. I only filed Chapter XXXX because, of my divorce that landed me in jail in which, I was acquitted, and the Maryland supreme court overturned. I have personal credit with USAA and I have never been late on any payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
This account account is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
I paid this card off. There was {$29.00} dollars of interest on the card that I was not aware of. I never received a statement. I didn't even know it was there - as far as I knew, I had paid my balance down to XXXX. 
They reported this as a 30 day late in XX/XX/2020 onto my credit report. They wouldn ; t work with me at all on fixing this. This is an outrage - we are in the middle of COVID and I found a way to pay this card off and I still got hit with a late. 
Absolutely ridiculous! 
The card is paid off in full at this point. I have always made my payments on time on this card and this interest was never told to me when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, Original Creditor, Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CT

Complaint narrative:
Equifax, XXXX, and XXXX  has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want Equifax, XXXX, and XXXX  to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NJ

Complaint narrative:
I was using discover card for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by Discover card while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX  balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2020 I received an email from regions bank that says {$400.00} Welcome Bonus I completed all the requirements & made the 10 transactions by XX/XX/2020 I waited after the 90 days to check on the bonus. I called 2 weeks ago after being transferred twice & spending hour on the phone Regions Bank reneged on the {$400.00} bonus. I went through a lot of hassle & stress to complete the deposit & 10 transactions by XX/XX/2020. 

I received a email that was misleading with a big Bright lime green banner that says welcome bonus. The email title said {$400.00} welcome bonus. 

Regions had a hidden fine print that was loaded with fees. Regions reneged on my bonus & gave me a - {$10.00} account that was sent on postcard..

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 2020-06-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies to run my 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 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avant Credit Corporation
State: KS

Complaint narrative:
I received a notice of a debt owed in the amount of {$310.00} to Avant llc, whom was included in my chapter XXXX  filing and discharge. I contacted the creditor by phone on XX/XX/2020 upon receiving notice of this alleged debt via mail and the representatives threatened to send law enforcement agents to my residents to arrest me if I did not pay this debt. I feel that I should be protected under federal bankruptcy laws and this creditor should be held liable and punished for contacting me in regards to this debt that was discharged on XX/XX/2020. I also believe this company is selling American 's personal information to terrorist groups that reside in XXXX XXXX and XXXX XXXX territorial regions which has subsequently led me to file a complaint with the financial crimes division at the Dept. of Homeland Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to 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 2020-06-30 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: TX

Complaint narrative:
This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies to run my 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 2020-06-30 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This company has attempted to collect the wrong amount the account has been closed as of 2017.

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 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, Original Creditor, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I feel it's unfair that transunion to not respecting nor following laws. I have reached out the them regarding XXXX card ending in XXXX. I have request a signed contract they have not complied I also have reached out to XXXX all i got back was a summary of charges. 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
Consumer complaint received 2020-06-30 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: CT

Complaint narrative:
XXXX, TransUnion, and XXXX has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, TrasUnion, and XXXX to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

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 2020-06-30 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: CT

Complaint narrative:
XXXX, XXXX, and Experian has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, XXXX, and Experian to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: IN

Complaint narrative:
I canceled and returned my cable equipment received a receipt. I have been so frustrated getting nowhere with XXXX XXXX. Can you help? 

Below is who has the debt now Credit Control Corporation, XXXX XXXX XXXX, XXXX XXXX, VA XXXX I have never had a good experience with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank has cancelled ties with XXXX and XXXX. This is severely handicapping my ability to send and receive funds and buy and sell stocks. Please help resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not had an account with capitol one. Capitol one does not have my signature to validate the credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have tried to get a modification or forbearance or sing they did not need the information, they explained that my am getting confused on what is going on. I feel I am being strung along. Ocwen and PHH are both not being honest with me on what is going on. I want them investigated as to why all the information they provided me was wrong. Since XXXX I lost my job and have tried to find a way to pay, I even file for bankruptcy but lost my job again. When I got back on my feet I tried for a forbearance and modification for the over 9.75 % rate and the additional 5,5 % added to arrears portion making it over 14.75 % I asked for help and they gave me all fictitious information that was wrong. I finally got a fulltime job in XXXX but was turned down twice for assistance. 
My problem is that twice I received letters asking me to send information to them so they can review for assistance. I sent what was required they kept stating they did do modifications on my type of loan. I kept seI want the right to directly to investor XXXX XXXX  and let them see I am now able to pay and make a direct request to XXXX XXXX, know that is would be a win win situation. They save money on foreclosure and I get to stay in my home, I build over thirty-eight years  ago on a lot my father bought over forty years ago, I want to stay and pay. I need them to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt is false.

Company response to consumer: Closed with non-monetary relief