vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: NJ

Complaint narrative:
XX/XX/2020 To whom it may concern : I have a credit score of XXXX with XXXX, XXXX with XXXX  and for some reason XXXX with XXXX, i get transferred around nothing gets done. 

For one i spoke to several representated and people in documents they claim i can't get my score over the phone. I got turned down for a car they stated my score is showing as XXXX even lower. 

So what i think is happening is if my score is actually higher with Exquifax the  information is not being distributed correctly and shared. I pay XXXX with XXXX  for all 3 reports its showing XXXX and XXXX as my score. I have worked very hard to get my score over XXXX and continue on to XXXX and XXXX but i keep getting turned down because of faulty information being reported from Equifax. 

They say nothing is wrong but 3 different places sent me a letter showing my score as XXXX with equifax so common sense tells me, that what they see at equifax may be  higher but its not showing to companies and individuals requesting my credit score so something needs to be done i can not be 129 points lower than the other 2 credit bureas that is not possible. I have 5 posiitive accounts going on every month so there is no way my score can be XXXX. 

Finally i was told to order my score and report thru www.equifax.com and get the paid version XXXX i tried that and the questions they asked me were not accurate, i never heard of 2 of them and so i was denied access, can they please update my questions they asked me first question about some mortgage loan i had i never had a mortgage so i keep getting this question wrong, these questions need to be updated, its like there version is very very old, when im on the phone with a rep i pass the questions they are current but the ones online are inaccurate and im unable to get my score. 

I am beyond frustrated with equifax and need some answers and for them to update the questions and I have an account car with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  with positive reports every month, People requesting my credit score are seeing scores of XXXX. I also had an old landlord XXXX XXXX who is not permitted to get any information on me. I should not have any freezes or frauds on there i thought maybe that is why nothing is updated. 

Fix this score error we all see I copied and pasted this i see online for my equifax score. as follows : 300 850 Poor 300 - 579 Fair Good Very Good Exceptional XXXX Learn more Equifax dataXX/XX/2020. 
Equifax XXXX Score XXXX  based on Equifax data as ofXX/XX/2020Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a risky borrower. 

Please assist me with this matter. 

Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX social is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA PROVIDED NO ( * not ada accessible for my XXXX  XXXX ) ACCESS FOR ME TO RESOLVE FRAUD AND SENDS ME TO COLLECTIONS DESTROYING MY EXCELLENT CREDIT SCORE SO I AM DENIED CREDIT WITH XXXX XXXX ( documentation of denial unpon request ) See attatched XX/XX/XXXX LETTER RE : XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I REPORTED {$470.00}. Stating temporary credits were made permanet *** there are no temporary credits to make permanet *** 1 ) THIS TOOK A YEAR TO COMPLETE THE INVESTIGATION. 2 ) THIS IS STILL UNRESOLVED. 3 ) THIS IS FTC ID THEFT CASE XXXX. USAA CLEARLY DOES NOT ABIDE BY THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
more like 90 days ftc violations and hippa XXXX XXXX XXXX XXXX XXXX XXXX report number 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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 I called to access my account using my call password I have used 35 years. USAA DOES NOT PROVIDED ON LINE ACCESS DUE TO MY XXXX  XXXX. NOW USAA can not verify me using my call password that has worked 35 years so I HAVE NO ACCESS TO CALL ABOUT MY ACCOUNT. This is due to my hand XXXX also. I physically am unable to ( text or email ) proof of who I am. ** NO PHONE ACCESS. XXXX USAA IS NOT XXXX ACCESSIBLE FOR XXXX MEMBERS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays offered me a balance transfer with no interest until XX/XX/XXXX. I transfered {$1900.00} from another account on XX/XX/XXXX I was charged a balance transfer fee of {$59.00} ( which I agreed to ) and {$3.00} intrest on XX/XX/XXXX. When I complained about the interest charge the response was " Upon review of your account our records show the promotional offer for the 0 % until XX/XX/XXXX has not been accepted. '' If they were not going to accept their own offer they should not have transferred the balance!

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 2020-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
problem with fraud alert and freeeZes remove it XXXX XXXX, transunion, and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX, XXXX  and TransUnion. ... These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; Trans Union Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary XXXX  credit monitoring service

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 2020-04-04 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: TX

Complaint narrative:
problem with fraud alert and freeeZes remove it XXXX experian, XXXX and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX Experian and XXXX XXXX.. These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; XXXX XXXX Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary Experian credit monitoring service

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 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. Cooling and Winter are collecting for XXXX XXXX. I have two XXXX XXXX accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to Cooling and Winter LLC and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with Cooling and Winter LLC. She stated that we were service by a Sherrif regarding the debt owed. We were not. Cooling and Winter claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX p.m. on XX/XX/XXXX. 

My wife arrived at Cooling and Winter 's office at XXXX p.m. She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX p.m. decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to Cooling and Winter LLC, a sixty mile drive all to not have my issue resolved. Not to mention the  time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because Cooling and Winter LLC wasted our time. I have complained to Cooling and Winter LLC. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that Cooling and Winter LLC stated they were sending to us.

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 2020-04-04 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: CA

Complaint narrative:
THE FRAUDSTER EXPERIAN, XXXX  AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.

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 2020-04-04 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: CA

Complaint narrative:
THE FRAUDSTER XXXX, TRANSUNION AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.

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 2020-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THE FRAUDSTER XXXX XXXX  AND EQUIFAX HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Debt still reporting on credit report well after 7 years. 

Wells Fargo ( WFDS ) XXXX XX/XX/XXXX {$0.00} Paid off XXXX. Want entry removed from 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 explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. XXXX XXXX  XXXX are collecting for Capital One. I have two Capital One accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to XXXX XXXX  XXXX XXXX and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with XXXX XXXX   XXXX XXXX. She stated that we were service by a Sherrif regarding the debt owed. We were not. XXXX XXXX XXXX claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX XXXX on XX/XX/XXXX. 

My wife arrived at XXXX XXXX XXXX XXXX office at XXXX XXXX She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX XXXX decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to XXXX XXXX   XXXX XXXX, a sixty mile drive all to not have my issue resolved. Not to mention the time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because XXXX XXXX  XXXX XXXX wasted our time. I have complained to XXXX XXXX  XXXX XXXX. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that XXXX XXXX  XXXX XXXX stated they were sending to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I was wondering what happen to my mom XXXX XXXX XXXX life insurance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX  XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: AES/PHEAA
State: GA

Complaint narrative:
Fedloan still reporting on credit report even though account shows closed and well over 7 years. 

Fedloan XX/XX/2012 {$4500.00} Fed Loan XX/XX/2012 {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Company told us we would have to re-apply for another loan through them to get a lower interest rate. We are currently paying 19 % interest. Florida is considered a COVID-19 Pandemic FEMA State Disaster Declarations and now with a stay home order. They will not help us with out payment of {$470.00} in anyway and are charging late fees to extend the due dates by two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Since XX/XX/2019, TransUnion and XXXX  stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. XXXX  is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating in this way.

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received notification from a company called jefferson capital systems LLC requesting payment of {$230.00}. the debt is not mines and dated/charged off period of XXXX reporting the negative mark was well within their right, even if it damages my credit standing. As granted by the fair debt collection practices act, I've also fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for their tradeline to remain on my file accept to maltreat, harass etc.

Company response to consumer: Closed with explanation