vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: OH

Complaint narrative:
There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.

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 2020-04-22 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: PA

Complaint narrative:
I had a load with XXXX XXXX XXXX. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.

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 2020-04-22 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: NV

Complaint narrative:
Disputed an inaccurate Chapter XXXX bankruptcy being reported to my credit report with all three credit bureaus, in XXXX of XXXX. In XXXX of XXXX, XXXX  deleted the inaccurate information. In XXXX of XXXX, XXXX  and third party information provider, XXXX XXXX, deleted the inaccurate information. Experian refuses to delete the inaccurate information and has not adhered to the time limit to settle disputes outlined by the Fair Credit Reporting Act. Experian has been investigating and delaying their decision on this matter since XX/XX/XXXX. This date extends well beyond the allowed time by the Fair Credit Reporting Act and is a blatant violation of my rights.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I booked three hotels in XXXX with my Citi Costco Card. This was during XXXX, during the pandemic and when XXXX was in total lockdown. Two of the hotels refused to refund my money or offered me credits to use during the pandemic. 

So, I challenged the payment with Citi. Citi refused to give me credit. It is unfair that I should have to pay for hotel reservations during the pandemic. My flight to XXXX was cancelled. Citi should refuse payment to the hotels and refund my money. I have attached correspondence from the two hotels. 


Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from NAVIENT indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that NAVIENT placed a negative remark on my XXXX, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to NAVIENT to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that NAVIENT remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact NAVIENT regarding this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am attempting to lift a freeze on my credit report. Equifax is refusing all contact. My online acct credentials are refused and I'm told to call a customer service number ( XXXX ). That number requested my personal information in an unsecure manner, placed me on hold, and then finally answered to say their " system '' was down and they could not help me. 

The XXXX website interface asked me unrecognizable questions to verify my identity. I am hand mailing a request for a report now in an attempt to get Equifax to recognize me. Will take at least 2 weeks. 

I am XXXX years old. In the last 20-25 years, this or something similar has happened to me at least 5 times between the 3 agencies. Maybe 10. If your business is handling information and you do it this poorly, you should be out of business. Nothing less would satisfy me. But would you please at least hold them accountable enough that I can do business? Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: AZ

Complaint narrative:
I got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We have a Credit Union that is our Mortg. Co. so we thought. They have a service company Called Dovenmuehle in XXXX IL. that we have called. Since XXXX we have been trying to work with these two company on XXXXabout we received foreclose notice that our home will be foreclosed on XXXX, We were 1 month late XX/XX/2020 after speaking to many people at the XXXX XXXX XXXX and Dovenmuehle without any luck and not getting help with our mortg. has a forebearance would not work for us because my Husband is out of work for the year. He is a XXXX and all schools are closed up. We called got people like XXXX XXXX, XXXX XXXX XXXX never returning our calls, finally we spoke to a so called VP but he list 's himself has a c.s. rep. and he said you have forebearance in we never signed anything with the companies listed above. After much thinking how this service motg. company works and seeing the hundreds of complains about them and having the order to foreclose XXXX we choose NOT to go with the forebearance. We took all of our savings and then some and paid our XX/XX/2020 payment of XXXX we had to mail it in cause the XXXX web site would not take the payment. They finally received it today ( XXXX ) We only have to make XXXX and my son is helping us with that. Because of the lack of work, Covid-19 Crisis and having to pay our XXXX property taxes XXXX we are in a horrible money crunch. If this company would have attached the 3 months on the back of the loan we would be able to get food for our family. Has it stands this companies have given us Money Hardship in these Crisis times when everyone can not leave their homes, no work no money and stuff goods are expensive. We want this company to honor our payment without late fees and send us a letter stating our credit is ok. Also we want them to send that the foreclosed notice was in error that is what XXXX XXXX informed us on the phone I can not and will not trust these companies anymore and it is sad they would not work with us. We live in XXXX Ca. our XXXX. XXXX stated no foreclose action yet we got one. I want this taken care of asap, and a letter stating we are current with the payment since that call we made and we made several we have not heard from either the XXXX Co XXXX XXXX or Dovenmuehle Company. Discussed with all of these issues. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received a letter from Experian explaining that they do not feel the need to perform investigations for information if out of my credit report. today I am attaching more information as spending more money to get this information to them so that they can remove the accounts that are reporting and accurately as per law. I have already consulted an attorney to see if these violations can be brought up in court because I have been working on these issues since last year and I am frustrated. I need these accounts deleted as they are reporting inconsistent and inaccurate information here is the proof of it and I don't think it's fair that Experian, XXXX, and XXXX get to block me from exercising my rights. 

Under 1681 I of the Fcra law it states that inaccurate information must be removed from the credit report within 30 days these companies have taken longer than 30 days to perform the investigation and remove the incorrect information. under this section of the law both the company reporting the misinformation and the bureau reporting this information will be liable in the court of law and which I intend to bring suit if these accounts are not removed under these grounds I have included the letter that Experian wrote to me saying they are not going to perform the investigation and I have included the attachments of a recent credit report that I pulled showing the inconsistent and inaccurate information.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian will not correct or update wrong information regardless of documents attached to dispute services. I am in a payment agreement with the department of education and I have provided proof of agreement, proof of on time payment status and proof that the last 16 late payment on my credit report are in error however they will not make any changes. I continue to dispute their claims However all the say is, The result of their information is that the information reported is true regardless of documents from department of education I uploaded.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit inquires I did not authorize and done without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
1 ) Concord Financial is showing 3 late payments. I NEVER had any account with them. 

2 ) Numerous credit agencies and their inquiries are showing up on my credit report. I never authorized these inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Credit inquires I did not authorize and done without my consent

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Call repeatedly and leave messages at least 4 times a day.

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 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I have been trying to receive help with my student loan payments. The company, Navient, will not respond to my requests for help with anything other than, " Call us. '' They will provide me no options and no information, not even my current loan payment amount. They changed my payment amount without me knowing about it, and now they're reporting me late on my credit report despite me providing them with payments every month for almost 10 years. 

I requested help via email and via their online form on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ). That is 28 times I have contacted them and asked for help and they have not responded with anything else other than " call us. '' I have made offers to fix my payments, I have made requests for the correct payment amount, I have made requests for forbearance. I have explained that I can not speak with them on the phone each time. I have continued to make regular payments to them every single month since XXXX. However, their only response has been " call us. '' They refuse to provide me any information at all via email or postal mail. I have responded each and every time they call and leave me a voice mail or they send me an email. I have repeatedly made offers with specific amounts in them to get this account current and I receive no response at all from this company. I can not call them, and they will not deal with me in any other way, so I have no recourse whatsoever. 

I even offered to completely get my account up to date if the company would simply tell me what my monthly payment amount would be. You might have guessed by now, their only response was, " Call us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/20, I tried using my U.S. Bank XXXX to complete an online transaction. The transaction read as invalid card. I tried to withdraw funds from the ATM and the card automatically read as invalid card. I received this card on XX/XX/20 and completed the activation. The card had funds available and worked fine. I have {$1400.00} available on the prepaid card as of XX/XX/20. I am unable to access them and there is no reason why. The customer service number on the back of the card gives a busy signal each time I dial out. There is no one to offer assistance.

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 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has shut down its customer service and perhaps doing some bad practices as my money was placed on a hold for 21 days due to " security risks ''. Whenever I inquired what exactly those risks were, they never addressed them specifically because according to the chat box, " it does not provide that information it only shows an error ''. Currently if you checked PayPal 's social media profiles you will find hundreds and even thousands of people that experienced the same situation I was in. Once my money was released from its hold, then it was literally impossible for me to transfer it to my bank account without paying a fee. PayPal claims that you are always free to transfer your money to your bank account for free it would only take more time. However according to their representative I wasn't going to be bale to link my checking account due to a system error. When I asked how can I fix this she suggested that I be better off opening a new bank account that could work with PayPal, when I mentioned that my current bank has never reported any issues with PayPal in the past she just kept on blaming everything on their system and security risks. Finally, she said that because my bank card was already linked I could transfer the funds there, of course at a 1 % fee charge. This of course made me wonder about the whole situation because, the bank account I was trying to link and the card on file are one and the same yet it just would not go through according to their representative. At the end I had to pay a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have on several occasions sent verification letters to this creditor and they have failed to respond. I need to verify what they are collecting on and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wrong Inaccurate information, fraudulent accounts

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
My bank has recently been acquired by Simmons Bank. I contacted in person the branch president XXXX XXXX about the bank not processing my weekly payments correctly. I have a monthly home mortgage payment of {$1000.00} at 5 % interest rate. I have it set up, just as with XXXX XXXX, to apply weekly payments of {$300.00} to my mortgage to save on interest charges. XXXX passed the buck a few different times and is unwilling to help me. He assigned XXXX XXXX to the task and she has worked very hard to get the problem resolved with the home office. They " hold '' my weekly payments until there is enough to make a full monthly payment and then apply the payment. She was told thats just how they do it so i called myself. I talked to the loan processing department and the representative, after speaking via email with her superior, informed me of the same thing. I explained it was unfair and asked to have her supervisor call me to discuss. This whole process has been ongoing since early XXXX. I am fed up and would like some help. thank you, XXXX XXXX personal cell XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation