vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX XXXX XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On XX/XX/2021 I contacted Genisis FS Card Services/Indigo regarding fraudulent charges in the amount of {$300.00} which has impacted payment amounts, future credit, and credit scores. There were XXXX charges made to XXXX from my Genesis FS/Indigo Master Card. On XX/XX/2021, in the amount of {$100.00}, and on XX/XX/2021, XXXX charges in the amount of XXXX each made the total charges {$300.00}. All amounts were charged to my card ending in XXXX. Once discovered, this matter was reported to the credit card issuing company on XX/XX/2021. The credit card used for the transactions is no longer valid. I have never used XXXX services to purchase any items and never received any fraud alerts from the company. {$300.00} was transacted consecutively and as a customer of Genesis FS/Indigo, this activity was not routine according to my account history. However, the charges remain on my account and although the company states that I am not responsible, my minimum payment amount is higher due to the fraudulent charges, future credit, and credit scores have been affected. I am requesting the {$300.00} to be removed from my account while their investigation takes place. On XX/XX/2021, I made a minimum payment of {$40.00}. I have also contacted XXXX and shared my concerns regarding the fraudulent charges in hopes they will cooperate with the investigation to remove the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Well, My Concern, concerns several things, so I didn't exactly know which box to reference to begin my complaint. i got involved in this IDR loan with Navient because of What I was verbally told about ( concerning ) this loan repayment plan, which sounded good, verbally, ..at the time. HOWEVER, this info. is/was NOT actually the facts on paper. I got involved because I was mislead to believe that I would be paying on this loan for Ten ( 10 ) years,.. then it would be forgiven /dismissed. So, Here I am, thinking I will be forgiven within the next approx 5 years, since I originally got started with this plan. When I really begin to inquire into this loan, this past 3 months ago, I am now told that My plan doesn't expire till the next 25 years.!!?? Now, I was listening to what The Navient Representative Told me. MIND YOU ; I HAVE NOT BEEN READING ALL THE INTEMNIDATING FINE PRINT AND LANGUAGE HIDDEN IN THE REAL DOCUMENTS, UP UNTIL THIS POINT. I am Finding out Now that, The Verbal information I was Given, and was mislead to believe, was NOT True!!! I would NOT have gotten involved in anything of the sort of Arrangement, at my age,. I would be almost XXXX XXXX XXXX, or Dead prior to that time, trying to pay this loan I don't need to be paying on this kind of debt ( $ 22K ) plus more accruing interest,... to anyone,, at this point in my life.. All I get from Navient higher Authority, is an apology for mis-information, ( given me ), which doesn't pay the balance -bill, after being lured into this trap. Plz help!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
In XXXX of XXXX we applied for HAMP Modification for the pandemic for a two month deferment but they approved us for 4 months. We skipped two payments and began to pay as normal. We started getting mail that we were going into foreclosure. I contacted LakeView Mortgage and I paid those two payments that we skipped to stop the letters. 
I told them not to do the HAMP paperwork but they applied the 4 months of payments to the loan anyway. Skip forward to present, we are trying to get a Home Equity loan and the ( HAMP ) Deed of Trust ( XXXX ) ( for account XXXX ) needs to be paid off in order to have the XXXX as second position. We can not get any information from HUD or LakeView Mortgage to find out how to pay that lien off. We close on the XXXX until we get this info. 
We even called the Trustee XXXX XXXX XXXX  office and got nowhere. 
I have two emails from HUD saying that in four days we will get a reply. But still no information how to pay this off. The XXXX shows the Secretary of Housing and Urban development as " lender ''. XXXX XXXX and Page 1836 Any help with getting this XXXX paid and released would be of great appreciation.

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 2021-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have been attempting to close my Citi Accelerate Savings account and have been unable to do so. Citi has locked my online account access twice in the last 2 years and it takes numerous calls/transfers through customer service/chat support to get it unlocked. When it does get unlocked there is no context to provided as to the reason behind the lock. 

I called to close my account last week and was able to proceed with the conversation but the timeline for returning funds ( 10-15 business days ) seemed long so I completed an electronic transfer into my new account which has since posted. 

I called XX/XX/2021 to close my Citi Accelerate savings account and spoke with a customer service agent who asked numerous verification questions and said they would be unable to assist with closing my account due to failed verificaiton. I provided the account number off their website, my full name, my wife 's name, last 4 of my social security #, and what I believed was the secret word associated with the account which was valid enough to proceed with action/conversation last week, but not on this conversation. I explained to the rep that I just wanted to close the account and could provide recent transactions, balance information or other verification to close the account and they just kept directing me to call back. None of the information provided was any different than what I provided last week. In my opinion as a XXXX XXXX myself, this seems like an unfair and deceptive practice to dismiss account closure for the purposes of achieving company metrics and XXXX XXXX 

I would like my Citi Accelerate Account closed without being charged fees as the account now has a XXXX 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 2021-12-08 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek 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 non-monetary relief
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-08 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: PA

Complaint narrative:
Received collect satement letter from ( ACI ) American Coradius international LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) for the amount of {$480.00} ACI reference XXXX XXXX from creditor XXXX XXXX XXXX  . I contacted ACI on XXXX XXXX XXXX XXXX ( w/ XXXX  ) asking about this matter where I don't have ant XXXX  account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Advantage Credit, Inc.
State: FL

Complaint narrative:
I have recieved mail with information that is not mine please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ADVANTAGE/ADVANTAGE CR Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I had gotten into a car wreck to where I couldn't work I just went to XXXX 3 days a week. I informed XXXX about it. Needles to say the XXXX XXXX XXXX was repossessed and sold. XXXX got their car back and got money when they sold it. SeemS like this contract should be null and void.

Company response to consumer: Closed with explanation