vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My report is showing late payments for XXXX, XXXX and XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALPHA MORTGAGE CORPORATION
State: NC

Complaint narrative:
to the best of my knowledge XXXX. 
I have sign my contract and agreement to purchase my new home. 
I submitted a FHA mortgage application to purchase my new home. I looked online for some of the FHA mortgages to apply for a home loan and this bank was one of the banks I applied to. the amount for the loan was XXXX. after submitting my application for the loan the mortgage banker contact me and ask questions about my credit score. did not discuss the action I needed to take to improve my score. I was told the bank could not help me and my credit score was not higher enough to get a mortgage loan. and I was turn down. I have been working on my credit score and made some improvements.to able to purchase my new home. I am a US citizen and pay my taxes and a veteran widow. why do i have such a hard time getting a loan for a home?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a XXXX servicemember with full insurance. The Credit Bureaus, XXXX  and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. Equifax is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax is using stall tactics in order to not investigate my dispute. I sent them my ID and a copy of my social and they sent a letter asking for that information when I sent and had the information notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
You made a decision to shut down the states which was good. You didnt make a provision for residents against timeshares who are financial XXXX. Aspen National Collect LLC from XXXX Fl ( XXXX & XXXX ; fax XXXX ; XXXX added additional charges to my maintenance fee & claim will continue if I dont pay them Maintenance Fee is XXXX & Taxes is {$190.00}. Their total is {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2021 I entered the HSBC app to close my account # XXXX. I got a reply back saying they closed my account ending in # XXXX and my other account I am co-owner with my retired father. # XXXX. I called HSBC immediately to confirm accoutn ending in # XXXX was not closed and still active.Spoke with someone and they confirmed # XXXX was active. On XX/XX/XXXX, I could not access my account balance for # XXXX. I could still access my account ending in # XXXX. I emailed support to confirm to not close my account ending in # XXXX. On XX/XX/XXXX, HSBC confirmed my account ending in # XXXX was not closed. 
On XX/XX/XXXX I checked my HSBC app and account # XXXX was closed. I immediately called HSBC to open a ticket to reverse this error and have not heard back fro them since. I told them my Dad has direct deposits set to credit on XX/XX/2021. My Dad does not have enough time to change or modify these payments I have not heard back from HSBC on account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX  XXXX   XXXX keep sending me collection for past car insurance that I paid in XXXX. I want to purchase a home but this charge keep coming up. They sent me a listing of all my payments and I showed where I paid double. I left XXXX XXXX because of their tactics and I have been disputing this charge every since. Against my better judgment I paid again because I was trying to purchase a home. Caine and weiner sent a settlement letter dated XX/XX/XXXX. I paid {$350.00} by XX/XX/XXXX per the settlement letter. Confirmation # XXXX Acct # XXXX. I called back. I was told I now have a remaining balance. I asked for charge to reflect paid on credit report. Nothing. 

I am now seeking assistance as this agency is not being fair. Help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: ME

Complaint narrative:
After office hours On XX/XX/2021, I received by mail a Schwab Bank Visa Platinum Debit Card from the Charles Schwab bank in XXXX XXXX South Dakota. I had not opened an account with the Charles Schwab bank. On XX/XX/2021, I called the customer service center number XXXX and spoke to a man identified as Charles. I explained that I had received a debit card with my name XXXX XXXX XXXX XXXX that was delivered to my physical mailing address but I had not opened the account. He asked my identification information SSN Birthdate and address and zipcode to verify my identity and once my id was established he stated that this account was opened on XX/XX/2021 with funds transferred from XXXX XXXX XXXX XXXX. He stated that I was the victim of identity theft and the account was probably opened for the purpose of money laundering. I asked him to close the account immediately which he said that he would do. Then he recommended that I follow the necessary precautions of posting fraud alerts with all credit bureaus, checking credit reports for errors with credit bureaus and consider freezing my credit and subscribing to XXXX or similar services. I thanked him and got off to phone to follow his advice. The evening of XX/XX/XXXX, I received checks and deposit slips for the account associated with the debit card. On XX/XX/XXXX, I received account verification information concerning the account # XXXX. 
It stated that the account type was a Schwab XXXX XXXX, its cash feature was a bank sweep contained disclosure delivery method was email electronic to email address XXXX. On XX/XX/XXXX, I called Charles Schwab Customer service immediately to verify that the account had been closed but I was not able to answer the security questions correctly as the person who set up the account had established the security questions. I was barred from the disclosure of any information regarding the account in my name and instructed by the customer service lady to destroy the debit card and checks in my possession and report the issue and wait. I asked to be transferred to the fraud department of Charles Schwab bank to file a report but I was informed that there was no fraud dept. of the bank.

Please help me to close this account in my name and provide me with tangible proof that it is closed, and hold the individual ( s ) who used my identity information accountable according to all applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-07-05 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: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
An unverified Chapter XXXX Bankruptcy is on my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
On XX/XX/XXXX we found that we were victims of check fraud. Our credit union recommended getting a new account number immediately. Our Navient loan was due on XX/XX/XXXX. I updated all of our banking information with them XX/XX/XXXX or XX/XX/XXXX for our auto payments. We went on vacation the week of XX/XX/XXXX and found that our payment did not process when we returned. When I called them they stated that I did update my information but it did not process for some reason and did a manual payment over the phone. When the payment did not process they increased our interest rate from 2.875 % to 4.125 %. I tried to get this reversed since we were victims of fraud and was told to fax in my last statement showing our old interest rate since they did not have record of it for some reason. I stated I had a letter from the bank stating the fraud and new account number as well. Once reviewed they did not reverse the rate. Our payment for XXXX is still not set up on auto pay and I was told to do a manual payment and autopay would be in effect for XXXX. Of the 40-50 different places I had to update my banking information with, Navient is the only one that did not process this immediately ( other than the US Treasury who required notarized documents ). This is ridiculous they would take 2 months to update information you have submitted which guarantees they will take away your discounted interest rate reduction for on time payments and auto pay. The way the are set up, if you change banks they will penalize you for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CA

Complaint narrative:
I have been unemployed since XXXX of XXXX and filed a forbearance request with my mortgage lender, XXXX XXXX XXXX. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, XXXX XXXX XXXX, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.

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 2021-07-05 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: SLM CORPORATION
State: NY

Complaint narrative:
I was heartbroken when i checked my credit reports and saw that i have a late payment being reported on my credit its been a struggle for me since COVID i lost my job and with the COVID act no company is supposed to report any late payments to the credit bureaus so you are in violation please remove all my late payments i am trying my best to get back on my feet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. State Collection Service , Inc received the package on XX/XX/2021. They were given 30 days to respond and have not. An unrebutted Affidavit stands as truth. 

State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ) State Collection Service , Inc is in violation of 15 USC 1692b ( 5 ) State Collection Service , Inc is in violation of 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.

Company response to consumer: Closed with explanation