vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: GA

Complaint narrative:
I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING 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 explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
An employee of XXXX XXXX has fraudulently taken a loan for {$16000.00} with my name as a cosigner for a new car. I was alerted to this by the credit company as the individual has stopped making payments. I was never at the dealership authorizing any loan in my name. I contacted the dealership numerous times to get this resolved. They refuse to do anything to correct the matter. I have contacted the loan company and was told that the dealership has to correct the issue. Please investigate the dealership located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland 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 2021-08-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that XXXX  and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also XXXX  and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

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 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2016, aplied for a {$200.00}, secure credit card, with no fees and interest for 18 months, during the use of this card they charge annual percent of {$25.00} dollars and interest over purchase, I try to fix this but it's too difficult now, I'm in the credit bureau with 2 different card number .I need to clear this debt, I don't owned this and I only use one credit card not other one

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 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear Consumer financial protection bureau, My name is XXXX XXXX and my bank account has been compromised.On XX/XX/XXXX around XXXX, I started getting emails that I`m transferring money to some unknown persons as well as I have changed phone number to person that I have transferred money before.I called bank immediately, but while I was waiting on customer service representative, they have already stole {$400.00} from mine and my son account ( {$200.00} from each account ) .I have spoken with customer service representative ( using same phone while they were draining money from my account ) and filled the claim.Few days after I did receive claims back, telling me that Bank of America will not honor the claims.I have called them again and I was told that they will re-consider claim only if I can provide proof from XXXX or XXXX  that my XXXX has been hacked? After hours spent with XXXX and XXXX, none of them are issuing any type of written documents that my XXXX is hacked.Also they told me that is impossible to clone sim card or to use same XXXX at two different locations ( what BOA just told me as excuse not to refund me ) .Bank of America issued a file where was stated that I did log in with my XXXX at the time when fraud happen in XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ) .I did not leave Maryland for last 6 months.Just came home from work when that happened ( Please see all collected documents attached from the bank and from my emails ) .Even IP address of hacker is provided.Bank simple ignored whatever I told them and at the moment I can`t get money back.There was another strange thing, that my two forms authentication did not work this time.Ususally then I want to log in, Im getting code on my cell phone, but not this time.In the mean time I made a phone call to the number I have found under recipient email, where money was transferred and follow up with email too.He received {$300.00} total ( XXXX  {$100.00} ), but no idea if he is involved in this fraud ( could be random choice of hacker ) and spoke with him and also exchanged emails ( copy of email included too ) .Latest update was that he would like to send me money back, but his XXXX account has been blocked as well as XXXX XXXX XXXX  account.I did report this to Police ( Case # XXXX ) and to IC3 sponsored by FBI. 
Please help me to get my money back.It has to be some customer protection from the bank or your side.

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 2021-08-09 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: PA

Complaint narrative:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MT

Complaint narrative:
In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MT

Complaint narrative:
In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.

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 2021-08-09 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: GA

Complaint narrative:
I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: GA

Complaint narrative:
I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING 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 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Carvana Group, LLC
State: SC

Complaint narrative:
On XX/XX/21 I started the paperwork of getting a loan for a XXXX XXXX. Because of proof of insurance and the down payment amount of XXXX I was denied the access to complete the application. Along with no being able the read my uploaded driving id. After I asked about operating under truth in lending he still told be I needed that cash transaction on a consumer credit transaction which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Using an external service ( XXXX XXXX ) I found out that my score was no longer updating since XX/XX/XXXX. I reached out to their customer service team ( Approximately XX/XX/XXXX ) and was told that it was due to an issue with Equifax. I contacted Equifax via phone and was told to create an account as to confirm the information was correct in addition to assisting with the original issue. I was unable to create an account due to an error code XXXX  ; to assist with all issues I was told that I had to submit information to the company which could be done via fax or sent by physical mail. I originally sent a fax on XX/XX/XXXX with the requested personal info ( cover letter, pay stub, government ID ). From XX/XX/XXXX to XX/XX/XXXX, I spoke to the customer service team and was told that they did not receive any information and to resend the info. On XX/XX/XXXX I decided to send the information via physical mail that could be tracked. From XX/XX/XXXX ( Date documents received ) to XX/XX/XXXX, I continuously contacted customer service in regards to the documents ( the faxed in addition to the mail documents ) so I may move forward in the process and solve my issues. I called customer service via my personal cell ( XXXX ), these calls took approximately 35 including hold time and other factors ; the total amount of call was approximately 30 times. Since the final calls that I have had ( approximately XX/XX/XXXX ) in which I spoke to a manager about my issues ; I was told that none of my documents have been received and to send my confidential documents again. The sending of the documents and speaking to the customer service members was done on my own time as well as money, there has been no contact or resolution as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter out to XXXX XXXX, and Equifax. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX ) mortgage went into COVID Forbearance XXXX of XXXX-I applied for a refinance with XXXX since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of XXXX 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to Equifax and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my XXXX  and Equifax credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both Equifax and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX  ) mortgage went into COVID Forbearance XXXX of XXXX applied for a refinance with XXXX  since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of 2021. 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to XXXX  and Experian despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my Experian and XXXX  credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both XXXX  and Experian credit reports.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XX/XX/2021 I received an email from XXXX XXXX of XXXX, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to LVNV Funding LLC. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX XXXX XXXX responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX-Pentagon Federal Credit Union ( PenFed ) mortgage went into COVID Forbearance XX/XX/XXXX-I applied for a refinance with PenFed since the rates were low. 

XX/XX/XXXX-PenFed denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XX/XX/XXXX. 

XX/XX/XXXX-PenFed reported my loan as delinquent/overdue by 120+ days to XXXX  and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XX/XX/XXXX-I contacted PenFed to ask them to remove this inaccurate information from my XXXX  and XXXX  credit reports. 

XX/XX/XXXX-the information is still listed as delinquent/overdue on both XXXX  and XXXX  credit reports.

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 2021-08-09 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: PA

Complaint narrative:
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 asked that the items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commissions and i also have enclosed copies of the federal trade commissions identity theft affidavit. i would appreciate it if you deleted these items as soon as possible as it is hindering me. im trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.

Company response to consumer: Closed with explanation