vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to zero and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.

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 2022-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been making payments on my student loans with Navient ( previously Sallie Mae ) for years. I have been struggling to make payments consistently and even now, the only programs they offer me are interest only payments which still are close to {$600.00} per month. The only reason I can afford them right now is because there are no payments on Federal Loans until XXXX, so my payments are {$300.00}. 
In the past, they constantly said they could only put me in forbearance which had a cost associated to it ( I think {$100.00} per loan ) which would only freeze my payments temporarily ( I think two months ). I would still accrue interest and it wouldn't help low my payments. Today, I still struggle to make payments and the only thing they offer me is interest only payments which are still too high and not going towards the principal. 
Additionally, at the time I took out private student loans, Sallie Mae was giving out private loans with very minimal restrictions. I used some of this money for private colleges that I never received a degree on and towards cost of living while in school. My loan balance quickly became high with little to show for it. I was a young borrower and a first time student loan borrower. There should be more restrictions, oversite, regulations and educations for borrowers so that they make the best loan choice. Knowing what I know now, I would have never borrowed a private loan and would have only selected federal loans. I believe they persuaded me into private loans by advocating that they were easier than federal loans to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
In early XX/XX/2021, I attempted to log into my Chime account and received a pop up telling me the account was closed and to contact XXXX. 

Since then, I have called and emailed Chime Member Services no less than 10+ times and have not been able to receive a straight forward answer. 

Twice I was told my account was indeed active, though it wasn't and I had no way to access funds. 

Several times, I was told my balance would be mailed to me via check within 30 days of the account being closed. It's now been 45 days and I've not received a check with approximately {$3300.00} that was left in my savings and checking accounts with Chime. 

I'm filing this complaint as I've been left with no clear option to get in contact with Chime for a clear answer as to why my account was closed and when I would be receiving the check with the balance left on my account at time of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I'm a XXXX military member that recently came home from XXXX XXXX orders. All of my payments are up to date and never more than 30 days late. Wellsfargo my home mortgage company just reported me for late payment over 30days. These payments were to be automatically deducted from my account. It seems that they tried to withdraw the funds from my account but it didn't go through. Wellsfargo then stopped accepting my automatic payments. I did not know this had occurred because I'm signed up for paperless billing. Once I noticed by signing into the account. I immediately paid the account. 

We are also in the middle of a pandemic. Transitioning from XXXX XXXX to civilian life has been very challenging during these hard times of the pandemic. I understand they are not allowed to report late payments during the pandemic. As you can see from my credit report I've never been late on any payments. This reduced my credit rating by XXXX points. 

I need this to he removed immediately as I'm trying to refinance my home and will greatly impact the results. Could you please help?

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 2022-01-20 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: NY

Complaint narrative:
The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to XXXX and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.

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 2022-01-20 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: MA

Complaint narrative:
On XX/XX/2021 I sent a re-investigation dispute letter to Experian about the following accounts : XXXX  XXXX, Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX. It's been over 45 days since I sent this re-investigation dispute and Experian have not answer as they are required by the FCRA.

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
XXXX XXXX equipment was taken back to a proper location after service had ended. The convertor box was taken in by a XXXX representative and a receipt was issued. However box was serial number was not entered into system as returned. Two years later XXXX posted a collection charge of {$430.00} on my credit bureau and is been trying to collect. I have contested numerous times with all 3 agencies, and the 3 agencies took the side of the vendor stating debt is legit without actually investigating it properly. Please help me remove this debt collection on my bureaus which is shown under Midland Credit Debt Collection company. Regardless this is a very old debt now, way over 4 years. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I recently applied for a refinance with XXXX  XXXX my current lender is Ally I have been on the phone for numerous hours trying to fix this issue XXXX  XXXX declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to Ally and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as Ally passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.

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 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I transferred XXXX from my XXXX acct to venmoon the XXXX. 
The item cleared my Checking acct onthe XXXX. 
I really did not want this transfer but I initiated it so I had to wait until funds were released to retrieve it back. 
The hold they posted stated funds to be released on the XXXX. 
I made a Dr appt ear for today as I have been very ill. 
Today is the XXXX. 
The funds are Not released.i 've spent hours in chat trying to get my money. 
I have 12 pages of Chat. Each time I explain this is wrong they transferred me. 
7x I was transferred without them asking permission. 
7 times I asked to dpeakto someone in authority. 
Nobody helped me. 
The last Rep said they may hold my Monday till next Monday & that NOBODY at Vwnmo is able to change the computer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Money line extended a line of credit and which I paid on. Recently the payments were not going through no matter what type of account I was using. They blocked my checking account and they blocked my savings account to allow payment. I reached out and spoke to XXXX XXXX and which I have correspondence saved. Explain that I have change cards I have changed payment options in regards to checking and savings account and nothing was going through for payment. Previous to speaking to her I was transferred several times amongst representatives because nobody could help. Overall I believe I was denied payment and they accelerated my loan and sent it to the credit bureaus for charge off. They were very rude to me and then nothing in regards to allow me to speak to XXXX XXXX directly via phone call. She sent an email with a phone number and which I called and was never transferred to her. I was left with a charge off and XXXX on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
how is this account accurate when Im still seeing 3 different dates of last activity on each bureau. 
XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. Also Experian is reporting the wrong balance and wrong past due. 
And the date of status shows Experian didnt investigate the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/2022 I spoke with a Navy Federal Rep and on XX/XX/2022 I spoke with a other Navy Federal Rep by the name XXXX. I asked Navy Federal Rep XXXX why is my credit card restricted from making purchases? XXXX replied " Its because your credit card is past due {$110.00} dollars '' I informed XXXX that my statement says that I do not have a " payment '' due until XX/XX/2022 that is {$260.00} as shown in the attachment. Nevertheless, a " late payment '' is a violation of my rights pursuant ( 15 USC 1666b ) but still gives Navy Federal no right to restricted my card from purchases. My " current balance '' is {$1600.00} my " Minimum Payment Due '' is XXXX. {$1600.00} + {$260.00} = {$1800.00}, my credit limit is {$2000.00}, {$2000.00} - {$1800.00} still leaves me with an available credit limit of {$130.00}. Also, Navy Federal took {$29.00} out of my checking account and credited my credit card without my consent as shown in attachment. Furthermore, XXXX ( Navy Federal Rep ) was rude, would not give me her employee ID number and sent me to Navy Federal voicemail survey after I tried to speak with a manager. Please help me solve this matter with my " credit-card '' under an open end consumer credit plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
Reported to chime of unauthorized charges made to account in XXXX, XXXX, and XX/XX/2021. They refused to dispute and responded that charges were authorized. Closed my account without knowledge or heads up in XXXX and were still sending emails as if account was still open until I logged in and had no access. Now they are taking direct deposits that were previously routed to that account. They refused to remove account from credit report and showing as on time payments but account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.

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 2022-01-21 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
My identity was stolen. A police report has been sent several times to this company. The other two major credit bureaus have removed them for fraud. Ford Motor Credit continues to report on a fraudulent closed account. A police report has been provided on several occasions. This fraudulent closed item needs to be removed from my credit report.

Company response to consumer: Closed with explanation