vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: PA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I have a loss draft case opened for damage to my home/roof. Selene Finance, LP received a 2nd check for my account on XX/XX/2020 from the insurance company for the remainder of the work. This check was to be mailed to me to finish pay for the work that was done. Today is now XX/XX/2020 and the check still has not been mailed out. I have been given the run around this entire time from different representatives. I was told an inspection was needed. I have not talked to an inspector nor I have I received a voicemail from an inspector acting on Selene 's behalf. I explained to their employees several times that I work during the day and I would need a message to let me know someone is trying to contact me. I requested to speak to a manager during one phone call, after waiting for 20 minutes I was forced off of the phone because the representative said she could not tie her line up any longer. She assured me that a manager would contact me within 24 hours. This never happened. The file  owner, XXXX, who has only reached out once since XX/XX/XXXX, has been of no assistance either. When I finally talked to her after several weeks, she said the check would be released. It still has not been released. Every time I call its the same story, that I need an inspection. Apparently they use an outside vendor who they say is calling, however, they are not leaving a message. I explained to 4 different representatives and included on 3 different voicemails that I work during they day and can not answer the phone. I have to have a message to know who is calling and what number to call them back on. A company should not be allowed to hold monies that does not belong to them and feel no responsibility to adhere to rules or regulations. The roofing company has issued a lien against my house because the remainder of the money has not been paid for the work they completed. I have already paid my portion of {$1000.00}, the deductible, and I should not have to pay any more out of my pocket. As I am typing this I am on the phone with a representative  now, XXXX, who is great, however, unable to assist me. Again, a manager is unavailable. Another inspection has been ordered. The circle just continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
i filed for bankruptcy 7 years ago and over those years i have paid on time on all my cards, paid off a car and shown Im a person who pays their bills. my credit has improved and my student loans are off my credit as well. 


i should be able to get an XXXX XXXX credit card or at least a secure credit card. i have applied multiple times and still getting denied after applying. i think they need to change their practices on who gets approved. i find it very hypocritical when they judge me when they got a XXXX dollar bailout from the government. 

Bank of America received {$20.00} XXXX in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on XX/XX/2009. 

judging on past bankruptcy which was 7 years ago is ridiculous.

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 2020-10-09 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: PNC Bank N.A.
State: GA

Complaint narrative:
I have a lot of Inquiries from different lenders that I didnt approve off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts listed are not related to any transactions done by me. My personal information was breached, and I was a victim of identity theft.

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 2020-10-09 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: AES/PHEAA
State: NY

Complaint narrative:
Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a  matter of law. Took classes online with XXXX XXXX college at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX XXXX XXXX XXXX/XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I have an issue with a debt collection agency named CCS Collections. The debt was originally from XXXX XXXX XXXX. I paid the entire debt of {$280.00} with a bank account I no longer have so I can  not prove I paid it. I have tried to dispute it with XXXX  and XXXX and I have also tried to contact CCS Collections by phone to let them know that I made this payment. I made the payment in XX/XX/2018. I believe it was in the summer or fall, however, it could have been sooner. The know I did not make the payment after XXXX. The agency refuses to help me since I cant prove I didnt pay the payment since I no longer have access to the old bank account I used. I believe it was with my XXXX XXXX XXXX  account, however, I could have used my XXXX XXXX account. How do I fix this? Im affected by covid-19 and can not afford to pay this a second time!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: MA

Complaint narrative:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2020-10-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I have been in constant contact w/ my auto financing company. I am 30 days past due. I have 3 payments that'll be due tomorrow ( due every other week ). I have been trying for 3 weeks for them to set up a payment for tomorrow for {$470.00} that would leave a remaining balance of {$200.00} ( not even a full payment ). They are refusing to take my payment because I am unsure when I will have the remaining balance of {$200.00}. They have threatened to repo if i can not afford the vehicle. I have a whole email thread of where this manager refuses to take my payment nor will he give me his managers contact information. I do not have a phone right now and he advised i should go borrow someone's phone or go to a payphone. I have health issues and can't just go find a phone when I have been in constant email contact with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GREAT WESTERN BANCORP, INC.
State: IA

Complaint narrative:
My account was placed on hold after I transferred {$2000.00} from my North Carolina account with XXXX XXXX XXXX  to the new account at Great Western Bank. They will not give me a reason why it's on hold. I can not get anyone to give me more than there first name for identification. They say they can hold my money for 10 days with no reason why.

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 2020-10-09 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: DISCOVER BANK
State: NC

Complaint narrative:
I'VE BEEN IN CONTACT WITH XXXX XXXX  AND THEY HAVE ALL POLICE REPORT AND FTC REPORTS AND COURTS DOC AND THEY STILL WANT REMOVE THIS FRAUD ACCOUNT, BUT THEY REMOVED THE ADDRESS TO THIS ACCOUNT AS FRAUD BUT NOT THE ACCOUNT. I WILL BE FILING SUIT AGAINST XXXX XXXX BECAUSE THEY HAVE PROOF THIS ACCOUNT IS NOT MINE! I WAS IN ICU WHEN THIS TRUCK WAS PURCHASED SO HOW CAN I BE IN TWO DIFFERENT PLACES AT ONCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Fin

ancial Protection Bureau, I have been a banking customer of XXXX  ( BBVA USA ) for almost a month now. After updating our business address to one in which we are able to directly pick up the mail, I requested a business address change earlier this week and submitted our Lease Agreement with it. The business address change was denied by XXXX. I got in touch with our virtual office front desk about which document is the correct Lease Agreeme nt, and they sent me a more recent one. I entered another request for a business address change along with the Lease Agreement, and once again XXXX denied the
address update.

As the old address is neither a business/office location, nor is it being used for business, I would like to make sure that XXXX  is legally compliant and accurate with all federal laws, including Know Your Customer ( KYC ) laws.

Our business address on file needs to be updated so that we can receive important documents such as our welcome kit and also our business debit card.

We have still yet to receive either of these documents. As a result, I would like to report and file a complaint for XXXX  to make sure they are legally compliant. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: PA

Complaint narrative:
I wrote a letter to XXXX  a month ago disputing some inquiries That did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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