vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: CA

Complaint narrative:
Experian just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
good day, I am currently on unemployment and have a bank of America debit card on XX/XX/XXXX I went grocery shopping and tried to use my card and it declined I went home and called bank of America to report this. I found out that someone used my card at 5 different locations to get out money, one transaction was in Connecticut and one was in new jersey and the rest were in XXXX. The total amount of my money was XXXX that is XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. this is the money that was stolen from me. I have talked to so many employees at Bank of America that they got use to hearing my voice. I have been to a one of the branch locations that my money was with drawn from and have counted 5 cameras outside this location which is the location on XXXX XXXX and XXXX  XXXX XXXX. I can not understand why they have not been able to review the cameras to see that it was not me that did this. this bank has been just jerking me around and do not seem to care. I have been more than patient with this situation. I even had a representative from the bank to hang up on me. I am so greatful that I have help with my bills but I now owe every family member money due to the fact that I can, t get any help from bank of America. I am so glad I found this website I pray that someone can help me. please. I have a complaint number that the bank gave me.XXXX XXXX. 
also he person that got my money left me XXXX dollars and some change in my account so that's owed to me also. Bank of America is one of the most horrible banks I know of in my life. I was with them before and the service as so horrible that I left. I am glad unemployment took the account away from this bank. I have known many people that this happened also and they got there money back pretty quick. I am so upset with this bank that I went to the doctors for my XXXX and now I have a problem with XXXX XXXX XXXX and its all my XXXX. thank you to whoever reads this. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  md XXXX my cell is XXXX can someone please please help me or give me some advise. 
have a great day!!!!!!

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 2021-06-13 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: SC

Complaint narrative:
I have filed a dispute on a late payment due to COVID-19 I lost my job. I have contacted XXXX serval times to deal with this matter. There is an incorrect error on my credit report saying I have had one late payment in XX/XX/2021. According to my payment history I have never missed a payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Wise Recovery Solution LLC
State: OH

Complaint narrative:
XXXX  XXXX XXXX did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX  credit score and dropped my points because of the inquiry.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, XXXX  and Transunion they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX  Georgia XXXX. 

I am request that Transunion, XXXX, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.

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 2021-06-13 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: Uplift, Inc
State: CA

Complaint narrative:
I apply for finance was. Declined said unable too verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: GA

Complaint narrative:
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.

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 2021-06-13 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:
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information XXXX screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided XXXX see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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:
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.

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 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc.
State: GA

Complaint narrative:
My account with XXXX University was paid in full via student loans. The balance displayed on my credit is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: CA

Complaint narrative:
XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.

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 2021-06-13 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: CA

Complaint narrative:
XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been unable to manage my security freeze on Equifaxs website for over a month. I get the error, We are temporarily unable to retrieve the status of your security freeze. The only way to manage the freeze is to call and wait on hold, sometimes for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Multiple calls DAILY. I don't have a job, I don't collect unemployment, I have no freaking income and they have been told this and to STOP calling!!! Yet, they still continue daily from multiple numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, Equifax and XXXX  they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX Georgia XXXX. 

I am request that XXXX, Equifax, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on Experian, XXXX  and XXXX  they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX  Georgia XXXX. 

I am request that XXXX, XXXX, and Experian update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I signed up for an American Express XXXX XXXX but can not access the points I have accrued. They are listed on my account page as available and when I call in they say they can be used, but when I try to transfer them there is a hold on them. 

I am trying to purchase an airline ticket ASAP using the points but can not because of this hold. I have called the company several times, been placed on multiple holds, but nobody can tell me what the hold is about nor allow me to use my points, which of course I have earned by meeting the spending requirements and paying the sizable yearly fee. 

Amex should immediately allow me to use my points per the terms of my agreement and add at least an additional XXXX points to my account because I can not use the points that I need to use to book a ticket in a time sensitive manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Unable to manage a security freeze on Equifaxs website for well over a month. When I called in XX/XX/XXXX, I was on hold for over 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union wrote me a letter dated XX/XX/21 stating if I would pay them {$1600.00} they would settle my credit card debt with them ( attachments included with this complaint ). Navy Federal stated upon completion of the settlement they would send me a letter confirming the settlement of the account and no further collection activities will occur. Navy Federal also stated they would update the credit bureaus with the new information. 

I paid Navy Federal the amount they requested and they continued collecting on the account which you will see in the attachments. I've received 2 collection notices so far and my credit bureaus have not been updated showing settled. Navy Federal actually added lates to all the credit bureaus, including XXXX and XXXX XXXX. My credit has been harmed because of this and I have been denied credit because of XXXX XXXX 's deceitful tactics. 


Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information Transunion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance Transunion {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment Transunion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed Transunion {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per Transunion and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.

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