vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 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: CA

Complaint narrative:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer  credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information  indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: CA

Complaint narrative:
I have disputed the same inaccurate public record on my consumer file ( bankruptcy ) for 3 years, 3 times within the past few months WITH supporting documents from the company they supposedly " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, Equifax continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( IN WRITING, these documents have also been forwarded to Equifax ) that Equifax has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. The other credit bureaus have deleted the inaccurate public record but Equifax continues to conduct unfair business practices against my FCRA rights. I've even spoken to a supervisor that could see my supporting documents but said that the people who review the disputes, " don't really look at the supporting documents before they make their decisions ''. That's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: CA

Complaint narrative:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has  never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2020-09-12 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: CA

Complaint narrative:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2020-09-12 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: LA

Complaint narrative:
XXXX XXXX  is trying to collect on an account which is paid with original or creditor XXXX I am in a open account with this is not closed which they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On the morning of XX/XX/XXXX I received a notice only device that my Apple Card had been used to make a purchase at a XXXX in XXXX, FL in the amount of {$74.00}. Ive never been to this XXXX, I did not make the purchase. It is fraud. I immediately contacted the Apple Card support and reported the fraudulent charge. I had the physical card canceled and thought it was done. It is evident that the card had been skimmed and cloned as someone attempted to use it again at the same place the next day. There has been a rash of skimming at local gas stations here. 
Yesterday, XX/XX/XXXX, I received notice from XXXX XXXXGoldman Sachs that I had lost a dispute over the XX/XX/XXXX charge. I tried to contact Apple Card support and tell them that I had not disputed the charge but rather reported a fraudulent charge. I was passed through three different representatives and then received no response from a fourth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In early XXXX ( maybe around XXXX or XXXX ) I submitted my application ( online ) for an income-driven-repayment plan to one of my student loan servicers ( Nelnet ) ; not only did I complete the necessary form but as a follow up I called nelnet to make sure that they received and approved the INCOME DRIVEN REPAYMENT PLAN for one year.Despite my meticulous care in this area -- -- Nelnet just recently sent me a harrassing email erroneously stating that I am currently 15 days past due when they assessed that from XXXX of XXXX until XXXX of XXXX my repayment obligation would be exactly XXXX dollars per month.They have harrassed me in this manner before -- -- -and along with the current stresses due to covid-19 and trying to keep body and soul together by buying food and paying rent -- -there unecessary and frivolous harrassment is starting to adversely effect my mental and physical health and well being ( I am currently XXXX years old ) .They are consistently among the most widely -complained-about loan servicers in the nation -- -- -and I can certainly see that their lack of professionalism, lack of due diligence, and glaring lack of competency stand as prominent monuments as to why this is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear XXXX, XXXX XX/XX/2020 Wire transfer from XXXX XXXX XXXX GA- Depositor ( Business partner ) in the amount of ( {$150000.00} ) was deposited to my above account, BOA place a hold and eventually notify me of closure of my account.Since then i have been calling and visiting my branch to get my balance left in the account with different stories every time.

According to the sender, he went to his bank almost every week since the above date and they told him it has been credited to Bank of America ( my account stated above. I have visited my branch time without numbers with no positive result. 

I have called time without number with no result and all they keep saying is they're waiting on somebody higher up from BOA to release my money.This has not only delay my business but has brought it to stand still. 

I would appreciate it if you send me a cashier 's check at the soonest time to my business address on file for the total amount balance in my account minus any bank charges applicable. 

I appreciate your quick response.Thank you very much. 

N : B : i have the receipt of the transaction with me and will be ready to provide that upon request, thanks Sincerely Yours

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 2020-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In XXXX of 2017 I reached out to American Credit Acceptance in attempt to resolve the matter of a late car payment. My car payments have always been on time. My car was stolen and I was unable to locate the car and made the company aware and they did not care they kept trying to seek payment on a vehicle I did not have and threatened to report payment history to credit bureau and threatened to take me to court. Again I told them the car was stolen, whoever stole it got it towed and the car had vehicle damage in which it was still covered under the GAP insurance so it was covered. This was made known to the car company and still they sought payment. We agreed on an amount and i paid them settlement offer and they still refuse to remove from my credit report and close account. It is unfair, I was a victim of car theft and identity theft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, In XXXX a false negative report was recorded in the trans unions system. This negative report was received by my XXXX  card and my XXXX card. My XXXX  card noted it in my monthly fico score but took no action and my XXXX card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against trans union as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from transunion. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( transunion ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.

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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was supposed to receive a {$400.00} new account bonus from opening a checking account back in XXXX and I havent received anything yet. I have reached out multiple times via message and phone call and was told I would receive a call back. I opened my account on XX/XX/XXXX and completed the requirements within the first 60 days and should have received my money by now but I havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac failed to pay our insurance premium from the escrow account and our homeowners insurance policy cancelled with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae falsely advertises cosigner release as an option when promoting student loans. 

I cosigned several loans for my son. He graduated from college in XX/XX/2016 and began making payments to Sallie Mae, according to established repayment guidelines. He has paid off 4 loans and has two remaining, estimated amount of $ XXXX. My son has made every payment on time and in excess of amounts due most months ( that is how he has been able to pay off 4 loans ). My son is gainfully employed and carries a low debt load. He has demonstrated the ability to repay his student loans, without assistance from me or anyone else. 

We have submitted three requests for cosigner release and all have been denied. Sallie Mae promoted cosigner release as a differentiator between student loan providers but does not actually release any cosigners - false advertising. This practice is still ongoing and is wrong. 

Please request data from Sallie Mae for number and percentage of approved cosigner releases for the past 5 and 10 year periods. I am confident you will see a pattern of denying cosigner release request, even when borrowers have demonstrated the ability to repay and have repaid a significant amount of their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
Hello, In XXXX a false negative report was recorded in the XXXX  XXXX   system. This negative report was received by my XXXX  card and my Alliant card. My XXXX  card noted it in my monthly fico score but took no action and my alliant card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against XXXX XXXX as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from XXXX. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( XXXX  ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have no knowledge of this account so I have no information on it. The company is refusing to remove it saying it's accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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:
Equifax REFUSES to remove fraudulent and unauthorized inquiries. This is against FCRA rules and regulations. False and inaccurate information MUST be removed from a persons credit file. Ive disputed several FRAUDULENT inquiries and only get a reply of inquiries are a factual record, ok, BUT NOT WHEN THEY ARE DONE FRAUDULENTLY!!!!! these inquiries NEED TO BE REMOVED IMMEDIATELY. Ive put in a new disk it e and expect these fraudulent inquiries to finally be removed. 

Dispute confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I had an auto debit come out of my account that was closed because of personal reasons and XXXX XXXX  sent the payment the same day out of the new account on XX/XX/2020. TCF Bank say 's they never got the payment and gave me a fee and put a hit to my credit. I sent all documents to TCF to show the payment came out of my new account. Now they are saying that they sent the payment back. I have not been credited back the payment to XXXXXXXX XXXX  account. They are still giving me a late charge and not giving me credit for my payment. I'm trying to do is have my payment credited and remove fees and any hit to my credit. The payment was never late just lost in there system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: AZ

Complaint narrative:
I have called summit funding which is my mortgage lender multiple times on a double escrow base taking out of my account from two different companies. I have went through the process of showing the first company that pulled out of my escrow for home insurance that I was utilizing the one that I chose. I never authorized the first one to pull {$520.00} out of my escrow and the first place and that money has never been returned to me and now my escrow balance is in the negative period I've been dealing with this problem with summit funding since XXXX I have called them multiple times sent emails multiple times and I can not get the situation to be reviewed and my money returned to my escrow. Now my monthly mortgage bill has gone up almost {$200.00} more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Original Debtor, XXXX, keeps changing collection agencies to illegally re-start the clock on a debt thats several years old. 

Current collection agency, Convergent Outsourcing, Inc, also refuses to correct the dates of the history of the account. 

XXXX refuses to verify the correct age of the account. Ive asked for documentation of verification numerous times. Nothing!! 

Ive also disputed the history of the account with XXXX ( the most unscrupulous credit bureau ) several  times as well to no avail! 

The dates and history of this are incorrect and no documentation has been forwarded to me for verification. No account numbers or phone numbers. Nothing. No contact information for the collection agency either.

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