vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since XXXX with little or no changes The following accounts are in question XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Account # XXXX DeptedXXXX accont # XXXX XXXXXXXX  account # XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # 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 2021-10-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The CREDENCE RM ( Original Creditor : 11 XXXX XXXX ) account that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: TN

Complaint narrative:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has listed Suspected Fraud activity on the XXXX data base. XXXX shows the that what XXXX reported for was suspected fraud activity with any amounts owed have been paid. closure status shows settled in full. I never knew any of this all I knew was XXXX  closed my account. I never comitted fraud.and now i am a criminal and can not open another bank account because of this 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 2021-10-05 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: NV

Complaint narrative:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
I have been putting my life and my family 's life in danger due to being a XXXX. Nothing has been offered to help XXXX  with student loans, not even from job. I think XXXX  should be able to get loan forgiveness for all or even half of student loans. We are here helping the world with COVID. Also, my loan has been consolidated so many times and it nulls out my plan or payment credit time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Equifax and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. XXXX Equifax and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021, I deposited a check from my attorney 's trust account for {$6000.00} for an emergency partial insurance settlement because of my dire financial circumstances. 

See attached check stub and deposit receipt. 

I was told and receipt confirms that funds would be available on XX/XX/2021. 

However, I was notified by text ( see attached ) that those funds would be put on hold until XX/XX/2021. The reason given that the check " would likely be returned ''. 

This claim is baseless. It slander my attorney as well as my character without grounds. The check was from a legal trust account used by attorneys to hold settlement monies until all parties are given their fair disbursements. In addition, I have no history of depositing checks that have been returned.

According to the CFPB rules : 1 ) Regardless of the kind of check, the first {$200.00} is to be made available to the consumer on the next business day.

2 ) {$5000.00} of the check must be released within 5 business days.

Bank of America is breaking both of these laws by not releasing {$200.00} on the next business day despite my extreme need for the money for medications, food & physician co-pay as well as a credit card payment that will be late. Taken together, by withholding {$200.00} of a check from a reputable source, Bank of America is damaging my health, well-being and credit rating. 

Also by holding the first {$5000.00} of the deposit for longer than 5 business days, they are not only in violation of CFPB regulations, they are preventing me from being able to pay my rent for XXXX by the XXXX which will result in my owing an additional late fee. My phone service will also be disconnected. 

I am XXXX, have multiple health issues including XXXX  XXXX and XXXX XXXX  in addition to major XXXX XXXX. I will not have medications for these illnesses nor will I have proper nutrition as a result of Bank of America not following CFPB regulations, let alone common decency in treatment of a person they are aware of hurting by their actions or inactions.

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 2021-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
XXXX reported an inquiry on my credit report by Citizens One Bank on XX/XX/2021. 

On XX/XX/2021, XXXX notified me that I had purchased 2 XXXX units and charged my Cizens One Bank credit card for those purchases totaling almost {$1000.00}. 

I called XXXX and they canceled the orders. 

I called Citizens One Bank and the fraud department said they opened a fraud case # XXXX and gave me the fraud department phone number XXXX. I've called them 4 times, and it says to leave a message, but no one calls back. 

I received an email from Citizens One Bank welcoming me to my Mastercard account # XXXX, and asked me to set up my account, which I didn't. 

I reported this fraud to XXXX and they put an alert on the 3 credit reporting sites. 

The address they noted was my previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
I have two companies trying to collect the same debt from XXXX who was bought out by XXXX. Its the same account. I Have been paying one with one payment left and the other company is still reporting on my credit report that it hasn't been addressed. The first company that reached out to me that I have paid the entire balance to is XXXX at phone number XXXX that I have auto drafted from my account for XXXX a week since XX/XX/2021 after an initial down payment of XXXX on XX/XX/2021 for a total balance of XXXX after this last payment that will come out of my account on XX/XX/2021. The other company reporting on me is Complete Credit Solutions or XXXX XXXX XXXX at XXXX. I am not sure which one is scamming me but the company sold the debt to two different collectors and I find this unfair that I have already satisfied the debt as of this upcoming Friday yet my credit is being impacted negatively

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 2021-10-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NJ

Complaint narrative:
I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor XXXX the only bureau that sent me a letter in regards to my dispute was TransUnion which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.

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 2021-10-05 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: NJ

Complaint narrative:
I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor Equifax the only bureau that sent me a letter in regards to my dispute was XXXX which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Originally, my VA mortgage was with XXXX XXXX. After several months, XXXX sold my VA loan to TMS ( The Money Source ) Bank. I did not want to do business with this bank in the first place because I had never heard of it and was satisfied with XXXX. 

Secondly, I had an agreement with XXXX that all payments over the regular, required, monthly amount would be fully applied to my principal balance upon payment. When TMS acquired my VA loan, I was told, in writing, that " Nothing would change '' and that I had the same agreements as with my previous loan servicer, XXXX XXXX. 

I then continued to make very large payments, 2 to 3 times the regular monthly amount. Instead of applying the extra amount to my principal, TMS applied all extra amounts as if they were individual, additional monthly payments, taking full interest and escrow amounts out of each divided payment. This, in effect, was not only violating my previous agreement that I had with XXXX XXXX, but also violating the specific contract term that I would not be " penalized '' for early payments. 

TMS Bank has now taken more than {$5000.00} in extra payments and applied nearly 25 % of it to interest and escrow amounts instead of to my principal balance. TMS bank now has deducted more interest and escrow in just seven ( 7 ) months than I should pay the entire year. This has been happening since XXXX, 2021 and continued until now. So far, TMS has charged me {$4800.00} in XXXX and {$3300.00} in interest in just six months. My total annual escrow payments only come to about {$2800.00} per year!

It took me 3 months just to get them on the phone because they did not have anyone answering the phones, just playing " excuse '' messages about Corona Virus staffing shortages. When I did finally get someone on the phone about 3 or 4 weeks ago, the " Customer Service Representative '' stated that I would have to include a special written note with every payment for extra amounts to be applied to principal. When I told him that was NOT acceptable because I make all payments through XXXX XXXX XXXX XXXX System which does not allow any special notes, and I did not ever have to do such ridiculous extra process with any other bank, and I have dealt with numerous banks before, owning three other properties in my life.

TMS has done all that they could to continue to illegally take my money and place it toward their profits and beneficial usage, gaining interest off of my money the entire time, while making me pay a far higher interest rate than I should be paying. They were notified by phone and by written letter. The only response was that it would take them another 30 days to give a final " decision ''. THERE IS NO DECISION! IT IS MY MONEY, and they should apply it THE WAY THAT I WANT TO MAKE PAYMENTS or be sued and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. Equifax is civilly liable pursuant to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since 2019 with little or no changes The following accounts are in question US DEPT ED 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 2021-10-05 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: MI

Complaint narrative:
The accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-10-05 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: MI

Complaint narrative:
The accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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