vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Problem with XXXXI had a charge off removed from my report and all agencies increased my score up to 80 plus points. ( equifax increased mine 87 points XXXX to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they took 81 points off my score dropping it to XXXX!! The only activity was 2 payments I made ON TIME to a car loan and a personal with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: MI

Complaint narrative:
My card has been breached, and my balance has been wiped out by a identity thief they froze my account so i can not reach the funds they replaced after i contacted them for two months i have not had access to my money, now my bills are all past due, they sent my benefits to another address and phone number without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc.
State: NC

Complaint narrative:
I have been trying for years to have my loans rehabilitated by the National Credit Services. I check my credit report on XX/XX/2021, and see that my loans still show that I am in collections. 

I called National Credit services and they state the last payment that would put my student loans in good standing FAILED. And because that payment didn't fail in XXXX I would have to go back through the program allowing the defaulted loans to stay on my credit report for another 9 months. 

I never received any communication about a failed payment and if I did I would have happily provided new details for my last payment to have my loans in good standing. National Credit Services even has a record that I contacted in XXXX. I called in XXXX to find out why my loans weren't out of default and I was told that paperwork needed to be submitted to have my loans returned back in good standing and that I should wait for communication from the Department of Education. 

The resolution I am seeking is that I am able to make my last payment so that my loans can return to good standing so that I can have the ability to rent a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
On XXXX my XXXX closed on a home-sold a property. Navy Federal Credit Union max check deposit is XXXX. XXXX XXXX of XXXX Wisconsin provided three escrow checks. I deposited on XXXX a check in the amount of {$28000.00} and {$50000.00}. I called NFCU and the representatives waive my ability to deposit both. On XXXX my account showed two transactions of {$220.00} made available to me. On XXXX evening my acct was negative {$49000.00}. I have called numeral times and sent messsges, however the bank just states its their process. I disagree that a check hold would put anyones bank in the negative. This is a bad business practice, I received no warning and NFCU should correct their collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I received a 1099 form from Square , Inc. for XXXX loan or something. I did not do this. 
I did not use this business, I did not receive the money, I did not apply to this business. 

I have tried to contact them, but no success, I have sent two emails to the organization to get information on this issue, I can not get a human person. I do not have an account anywhere. This is fraud, someone used my SS number and I can't access any thing regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Every day for the last two weeks Fifth Third bank calls from number XXXX between XXXX. They never leave messages and often do not respond back when I answer " Hello '' When I finally spoke with the caller one day last week, they requested personal information from me including my DOB and last four of my SSN. When I asked them why they needed it, they said it was for verification of contact information for an auto loan which my wife and I have for her car. They said alternatively I could give this information at one of their branches. I said " fine, I don't give that information out over the phone, especially for the stupid reason which they stated. '' They already have all of the required information from us. We are current on this loan, have never missed a payment and have an excellent credit rating. These calls need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL Inquiry : XXXX XXXX, 2020.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MA

Complaint narrative:
CFPB I am writing again do to Elain Financial Services none compliance with the Fair Credit Reporting Act and violation of the FCRA after I have provided them with as requested supporting documentation multiple times for a error with my XXXX payment. Elain Financial Services has fail to remove inaccurate information on my account for the XXXX due to and error in the system not caused by me. I am not sure how this error happened or occurred. Its not right or fair that I continue to be penalized for this error that has occurred on my account. I have provided as requested by Elain Financial Services proof of my Citizens Bank Checking account statements clearly showing payments made and received on time to Elain Financial Services for XXXX, 2020. Elain Financial Services stated in their response to me that my payment was returned from Citizens Bank CFPB I have provided supporting Citizens Bank statements clearly showing payment made and received on time to Elain Financial Services for XXXX. CFPB please note that my Citizens Bank statements clearly dont show any returned payments to Elain Financial Services for XXXX. For this dispute I have provided additional to Elain Financial Services from the same Citizens Bank account for XXXX, 2020 to show that their was not returned payment to Elain Financial Services for XXXX. CFPB please also note the balance for XXXX in my Citizens Bank checking account for XXXX, 2020 which I have highlighted and circle {$12000.00} and a balance of {$14000.00} for the month of XXXX. As you can see there was more than sufficient funds in my Citizens Bank to cover my payments to ensure no payments returned to Elain Financial Services for XXXX. Again this was and error in the system and should be corrected immediately. 

CFPB this not right or fair that I continue to be penalize for and error that I dont cause, its also not right that Elain Financial Services continue to not correct this error. I have been a happy customer with Elain Financial Services for over seven years and have never missed a payment with this 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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Requested a loan estimate from Rocket Mortgage. The loan officer claimed a purchase agreement was required for a loan estimate : Hi XXXX, If you are requesting a loan estimate then you would have to be under contract so send that signed purchase and sales agreement my way and we will get it taken care of. Otherwise if you are simply looking for an estimate of costs then I will send you a cost worksheet so let me know if that is the case. 

Best, Quicken Loans XXXX XXXX XXXX Executive Banker

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX  XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
this company is trying to collect a debt that is not mine i have reached out to company they have failed to remove after i have expressed that this debt is not mine have not received investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Account Resolution Corporation
State: MO

Complaint narrative:
The account is paid through my insurance company. I have told this to this collection agency numerous of times. This collection agency have no right to collect anything. 
This account was to the doctors office by my insurance. 

The other account was paid directly to the original creditors. I do not owe anything to these collection agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RCS Capital Partners, Inc.
State: CA

Complaint narrative:
I am not the person they want to contact. I do know know the individual they are trying to contact. They keep insisting that my number is the number on file for " XXXX XXXX '' but my name is " XXXX XXXX '' and I am not related to any XXXX 's. I have told them this 2 years ago and complained to this office about them and it stopped until now, they have started again. They have stated clearly they are NOT trying to contact me, and this is not a debt I owe, and YET, they are still harrassing me! XXXX XXXX of RCS Capitol is harrassing the wrong person on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off 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 2021-02-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off 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 2021-02-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2021 I submitted a Roth Transfer form issued by Ally bank in order to transfer my Roth CD being held at XXXXXXXX XXXX to Ally XXXX XXXX  I was told by Ally Bank to complete a transfer form and send it to Ally bank in order to complete the transfer. I also requested an addition of {$7000.00} to be deposited into the same Ally Roth CD Account. Please not on the attached document that the transfer was requested on XX/XX/2021. 
I notice a new Roth CD account was set up by Ally Bank and the {$7000.00} was deposited in that account. There is no evidence that my CD transfer was ever made by XXXXXXXX XXXX in the amount of, {$21000.00}. I did call both banks after I realized that the Roth CD was closed at XXXX and no record of deposit at Ally. When I called XXXXXXXX XXXX, I was told that the deposit from Ally was refused by XXXX due to " grace period problem ''. When I try to call or contact Ally Bank, I am unable to reach anyone by phone, chat, or email. At this point on XX/XX/2021, there is no record of my funds at either XXXXXXXX XXXX and Ally Bank. All I have to show is the original {$7000.00} deposit I made per check to Ally bank.

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 2021-02-16 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: TN

Complaint narrative:
I am writing due to non-compliance with Equifax, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was SANTANDER CONSUMER USA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card is the company I just received an email late evening on yesterday stating that my card was closed due to inactivity. Are you guys serious? The whole world is in a crisis/pandemic and has been for a year now so of course I haven't used my card. For a while we weren't even supposed to leave the house due to quarantine. I had to take this serious as my mother who has XXXX lives with me. I have been trying to be responsible while being unemployed due to Covid by not using my cards and possibly not having a way to pay it back. I made sure all my cards were paid off to a XXXX balance and wanted to have it in case of emergency. Your rates are too high and therefore a lot of stores won't even accept your card just like XXXX XXXX. 

I take my credit serious and to know that if I was somewhere trying to use this card and got declined I would be really furious especially during times like this. I would like this decision to be reversed since I have been a good, faithful member with no late payments. There was no courtesy call or warning of closing my card just due to inactivity. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
Called and said they were first with a Phoenix Financial. Then said XXXXXXXX XXXX XXXXXXXX County. I declined to give them my personal info nd birthday, they said this was an official matter from the doctors group then after refusing again to give my info knowing it is a scam they said have a nice day and hun up. I called the number back, they said thank you for calling back on a calling line is this a XXXX XXXX. Again not me and suspicious and I said I was reporting the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I went to their website and requested my credit report. I filled out all requirements and they told me they didnt have enough info. I mailed a letter to them with all required info included and they still havent got back to me. Now today is my third attempt to obtain my credit report. LexisNexis is literally in the SAME CITY that i live in. There should be NO excuse that other people living farther away can get theirs and I have yet to receive mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient. Has contacted me four times outside of normal operating hours, on XXXX XX/XX/XXXX, at XXXX, once on XXXX  XX/XX/XXXX, and twice on XXXXXXXX  XX/XX/XXXX. I have never agreed to them being able to contact me during these periods. This is in violation of FTC guidelines. 

Furthermore, they were notified on XX/XX/XXXX that I would be stopping payments due to being affected by the Coronavirus pandemic. While private lenders are not required to stop loan payments, Navient has put a program in place to address this. They have, instead, opted to harass me by phone and add late fees.

Company response to consumer: Closed with explanation