vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: IL

Complaint narrative:
I have been disputing bankruptcies that EXPERIAN has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company. On XX/XX/2020, I sent Experian another certified dispute letter with supporting documentation. I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from Experian in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

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 2021-02-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Experian will not freeze my credit report online despite entering all the required information asked by their website. 
I also tried their phone number to freeze my credit report without any success. 
They would like me to send the information by snail mail which is highly inconvenient. 

I did not have any problem freezing my info with XXXX and XXXX. 
I believe Experian has purposely made it hard so that consumers are forced to subscribe to their paid subscription to lock credit. I am sure they are violating some consent decree by making it impossible to freeze my credit report online.. 

It is extremely annoying that Experian makes money on my credit and makes it harder for me to control 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 non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Almost 2 years ago my bank Navy Federal Credit Union shut my card off after i reported some fraudulent transactions on my card.They shut my debit card off and my 2 credit cards.SO the result of that is me having to wire money and transfer money to different accounts which is not right.I didnt commit any type of fraud so i believe i should get my money back being i wouldve never had to transfer and or wire my money to different accounts if theye had better security and if they hadnt turned my card off.Because with Navy Federal Credit Union you have to pay for everything, cutting your card off leaves me with no choice to but to transfer my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: WA

Complaint narrative:
Good day, To whom it may a concern, I have recently pulled my credit report and noticed the closed account XXXX/XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
They dont fix my credit and keep change us fee plus subscription fee XXXX $ they refuse to refund lexington law and poor they dont do nothing at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony bank calls non stop back to back all hours of the day and late at night

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 2021-02-04 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: U.S. BANCORP
State: IL

Complaint narrative:
There is an unauthorized inquire reporting to my XXXX  report. This is a lender that I did NOT submit a request for any lines of credit. The lender is US Bank dated XX/XX/XXXX for a bank or credit card. I contacted XXXX on XX/XX/XXXX in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.

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 2021-02-04 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: MO

Complaint narrative:
My address on my Experian credit report that I pay extra to have monitored is wrong XXXX XXXX XXXX XXXX XXXX mo I HAVE never lived there why is this on here? What else is wrong on my 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 monetary relief
Consumer complaint received 2021-02-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I purchased a grill online from Lowes to be picked up at their location. After two months of not receiving a notification that the merchandise was ready for pick I decided to cancel the order. I went directly into the store to cancel the order on two different occasions and was told that as long as I didn't pick up the merchandise I would not be charged. I received my statement and I was charged for the grill. I called the creditor, Synchrony Bank and explained what happened and was advised to dispute the balance. I went into their webpage and disputed the balance. 

As of now, the balance still remains and when I called to find out what the resolution is, they said nothing as of yet and would submit a second dispute. Then they proceeded to tell me it would take another 60 days?!

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 2021-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Good Day, I currently have student loans being serviced by Navient. 

I am being charged late fees with no explanation as to the time frame these fee were accrued. I paid XX/XX/2021 late fees as I did not want to accrue penalties, fines or risk a negative credit impact. 
I have received two email responses to this topic but have not been given answers that are detailed or specific to the issue. 
Here is the latest example of what I have received : Please note that XXXX billing statement shows another late fee, although I paid this last month. It seems to be an " on going '' late fee, irrelevant of whether it is paid or not. 
Thank you for any assistance with this problem. 

Navient Response : Thank you for reaching out to us regarding late fees. I am happy to assist you. 
A late fee is assessed on the XXXX day of delinquency. Commonly, the fee amount is 6 % of the monthly payment amount. 
The late fees will show as due until they are paid in full. 
You do not need to pay these fees at this time. 
Payments are applied to your account as follows : 1. ) Unpaid Fees ( if applicable ).

2. ) Unpaid Accrued Interest.

3. ) Unpaid Principal. 
If you have a FFELP loan in an Income-Based Repayment ( IBR ) plan, the payment goes first to Unpaid Interest, then to Unpaid Fees, and then to Unpaid Principal. 
The formula we use to calculate daily accruing interest is : ( Unpaid Principal ) x ( Interest Rate ) x ( Number of Days Accrued ) = ( Y ) ( Y ) Number of Days in the Year = Accrued Interest Best Regards, XXXX, Loan Servicing Specialist ref : XXXX : ref Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
On XX/XX/2020, I sent a letter to the credit bureaus because they had ignored my previous dispute in XXXX. I understand that COVID has caused a delay but the credit bureaus are still working so it really isn't an excuse. I havent gotten any communication that a dispute has started or any results. I know for sure that if a credit bureau must conduct an investigation in 30 days and if they do not they have to automatically delete the accounts that were disputed. This is the law and it must be followed. So with that being said the following accounts need to be deleted from my credit reports immediately : XXXX XXXX XXXX XXXX The credit bureaus have been ignoring me on purpose and this isn't fair. I am prepared to go to litigation because this entire process has caused a lot of stress in my life. I was also a victim of the Equifax data breach so I don't know who could have my information. 
Delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NY

Complaint narrative:
Equifax credit bureau has been reporting 1 fraud account and 1 inaccurate account both derogatory on my credit report. I have sent numerous documents through the mail and online through fax and on the phone for hours. I have been told to bad figure it out myself as they report false inaccurate information that has had my score crazy low for years.. I have over 20 hard inquires all of 17 that are unknown by me. I asked several times for them to validate properly and explain now when i call in i get hung up on and do not get a call back. This information that is not correct has impaired my ability to get a car, loans, credit which is needed in everyday life by a single father of XXXX kids. I was part of the data breach as well and i truly believe this is my whole issue. This company could care less about the consumer that is for sure. I pay them to monitor my report as well which obviously needs to end now. XXXX  and XXXX found all the same accounts and hard inquires to be identity theft and fraud and has taken serious action on removing all and my scores are on the rise. Equifax needs to be audited on there practices sertiously p [ lease help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
My identity was stolen and sold to people in the U.S. that person was found and prosecuted for identity theft. In XXXX of 2020 I found an apartment community that was fraudulent. This fraudulent information was removed and blocked from all credit bureaus with the exception of Equifax. Equifax continues to report fraudulent information after seeing police reports and reports from the US Department of Justice of the person that was prosecuted. I am requesting this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: MI

Complaint narrative:
I have made several disputes to Transunion, XXXX, and XXXX about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one 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 2021-02-04 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: SC

Complaint narrative:
So I signed up for Experian credit works and got an alert about an alias and two addresses attached to that alias that doesn't belong to me. Upon checking my credit I don't see any unusual things but I want to make sure they haven't committed anything

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 2021-02-04 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: TX

Complaint narrative:
I have made many complaints with Consumer Financial Protection Bureau. One complaint was with XXXX XXXX, XXXX, and Transunion who unlawfully accessed my credit report without my permission that led to two forgery and fraudulent auto loans. I have repeatedly requested the permission used to access my credit AND XXXX XXXX still refuses by labeling the complaints as duplicates. They send an incomplete application as evidence that they accessed my credit lawfully. It is attached. This application simply states at the top that INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. Can XXXX XXXX, XXXX, and Transunion read? If this complaint is being reviewed by an overseas country that has language barriers ; I demand they send this complaint back to the US for review. XXXX XXXX will ignore this complaint by simply labeling as a duplicate complaint. Therefore I expect Transunion and XXXX to adhere to the FCRAs requirements If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. Does Transunion and XXXX  understand this requirement of the FCRA? Can Transunion and XXXX read the attached application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can XXXX  and Transunion read at the top where it states that incomplete applications will not be processed? Can Transunion and XXXX  see where it is not dated? Can Transunion and XXXX  examine the application that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Can Transunion and XXXX verify the application for completeness and accuracy that XXXX XXXX used to access my credit report that led to two fraudulent auto loans in my name? Will Transunion and XXXX  assume the responsibility given by the FCRA and remove the XXXX XXXX listing from my report? I received the attached LONG form response from XXXX  that totally misses XXXX XXXX and mind numbing. Transunion and XXXX continually asks XXXX XXXX to verify the attached application which is incomplete. Can Transunion and XXXX  verify since XXXX XXXX will ignore label this complaint as a duplicate?

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 2021-02-04 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, I have been denied a forbearance or a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. I asked for a forbearance and instead they offered a modification with a 3 month trial period. Not knowing what they were going to come back with till after a 3 month trial period. I was shocked to see the unreasonable & unheard proposed terms. It sounds like a major rip off. They have to stop ripping us off. I used to work in mortgage lending and currently a Notary Signing Agent and I do not see these types of terms they want us to agree to! 

This is a second loan. 
6 months unpaid mortgage payments equal to a total of {$3500.00} with fees which I still need to review but it is less then $ XXXX. XXXX Months of XXXX ) Modification trial periodXXXX Paid {$360.00} each month and on XXXXas well. 

Proposed Modification received XX/XX/2021 New payment {$360.00} which may adjust. 
New Maturity date XXXX, will add 14 years. Current Maturity date XXXX. 
Final ballon payment on the interest bearing principal balance of {$34000.00} is due on the XXXX Date. Yes XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Amortization Term XXXX, XXXX XXXX XXXX, XXXX. Basically 40 years. 

We owe less than $ 5k and they want to charge over $ 50k. Includes the ballon payment and the difference in the new maturity date. Sounds like a rip off to me! 

We have no problem keeping the same monthly amount of {$580.00} & extending the term by 6 months or even 1 year like we did with our 1st mortgage with no problem. If they want to call it a Forbearance or a Modification it's ok. What's not ok, they tell us it is their investors choice. They don't disclose who the investor is and we have the right to know this as well. 

Hope you are able to help us and other upcoming customers with the same issue. I have been reading reviews on Yelp and XXXX  and they are being referred to CFPB. Thank you for your assistance. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$750.00} -This is not my account.

Company response to consumer: Closed with explanation