vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX XXXX XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX XXXX  debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially 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 2021-01-21 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: TX

Complaint narrative:
Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX school XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX school debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I can not access my account with my money. The account is owned by me, according to their agreement and their denying me access to the account. I have not had access to the account since XX/XX/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 2021-01-21 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:
Ive sent multiple letters/disputes to each company about these inaccurate, violations and reporting on my credit report Ive ask them to investigate and delete account misleading information on 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 2021-01-21 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: NY

Complaint narrative:
Ive sent multiple letters/disputes to each company about these inaccurate, violations and reporting on my credit report Ive ask them to investigate and delete account misleading information on accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX with is requested that the FALSE and incopetent claims made by SunTrust Mortgage are addresses. 

Attached is the statement that the mortgage was SOLD to XXXX XXXX in 2006 - that is a fact. Such entity sold the mortgages and notes forward. Suntrust FAILED to make an assignment in 2006 and failed to realease the lien which. 

Further they made various allegations that these were just investors and still held the Mortgage and note etc- Untrue the mortgage and note was purchased by XXXX XXXX. 
These were sold WITHOUT RECOURSE and purchased by another entity. 

Suntrust Mortgage & / SunTrust Bank & /or Truist has no interest in such Mortgage and has not posses a NOTE since 2006. 

The allegation that Suntrust can by law RE-establish a NOTE for a Mortgage that they sold without recourse is ABSURD. 

Further more fradulent Assignments to other entities and to NON existent Trust ad entities and investors which do NOT exist - is FRAUD Requesting a CFPB determination that Suntrust Mortgage can NOT re-stablish the Note on a mortgage which was sold in this case without recourse, which has moved from XXXX XXXX, to XXXX XXXX, to XXXX XXXX and various Trusts. 

The filing of ficticous and SHAME Foreclosure action on behalf of something that doesn't exist - see attached Suntrust would like to re-establish the NOTE - they are NOT the holder of a Mortgage or NOTE

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 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
on XX/XX/2020 I sent XXXX USD ( converted to 20 euros ) using XXXX. The receiver account was TransferWise, but since according to their records some data was missing, they refunded the money. ( I have both proof of payment from XXXX and proof of refund from transferwise ). A whole month passed because they kept saying I should wait for 14 business days after the money wasn't there, they will take a lot of time for every response, etc. In the last recent emails, Transferwise says they need an official note from XXXX saying the money isn't there, but they keep asking unrelated questions, saying that the money is not there, asking me to show a proof that TransferWise is requesting this but no matter how many screenshots I send both companies refuse to help me tracking the money. The only intermediate is XXXX XXXX, so if the money is not in either of the companies, it should be there. Bot companies are refusing to help indirectly by asking absurd information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NE

Complaint narrative:
I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully XXXX in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called Navient, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while Navient states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called Navient and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called Navient. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the National Student Data Base is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is in reference to my original complaint from last month. It was only BRIEFLY corrected but now Bank of America is once again reporting a past due payment which is incorrect. This has been goin on since XXXX! I received a message on XXXX, after my original complaint that corrections were made and at that time my account reflected no late payments and now the account has been updated and reflects a {$1500.00} past due amount. This is costing me money as i am unable to refinance due the errors on my account. This has caused great financial & emotional stress in my family and needs to be rectified immediately. Calculations will confirm that a refinance would have saved me almost $ 1000 monthly, since the lenders now request 3 months of statements for heloc accounts showing on time payments i have been unable to proceed with a refinance. I have contact BOA countless times via their online portal and phone. Each time they state that this will be corrected and someone will get back to me, which is not the case. PLEASE HELP as this egregious error is causing mE financial stress and i do not have the time or energy to continue contacting them since they are of no help whatsoever.

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 2021-01-21 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: Social Finance, Inc.
State: RI

Complaint narrative:
I see multiple 30-150 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 2021-01-21 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I see multiple 30-150 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 non-monetary relief
Consumer complaint received 2021-01-21 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I see multiple 30-150 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 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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Member ID XXXX I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I copied from my online Experian credit report the item I am disputing ( see below ). The item I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This lender has accessed my credit file : US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Per XXXX at the US SM BUS ADMIN ODA 800 number XXXX, the following Application # XXXX was submitted to their office that contains my personal information that has been used without my knowledge or consent. 
I want this removed from my credit report and the application SHUT DOWN.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance $ XXXX- This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( Transunion, XXXX, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from Transunion, XXXX and XXXX  all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.

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 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Pusuant 16 USC 1692a ( 3 ) I am a Federally protected consumer, natural person, and the original creditor. Pursuant 15 USC 1692 ( a ) The Fair Debt Collection Practice Act is intended to protect consumers on unfair and abusive debt collection practice by debt collectors, to inspire that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection practices. Capital One Credit Card Services has been violating me as a Federally Protected Consumer. This includes unauthorized use of my credit card. Capital One Credit Card Services has been using misleading and deceptive forms in an attempt to collect on an alleged debt that is not owed. I have sent them an Affidavit of Truths x2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EdFinancial Services
State: GA

Complaint narrative:
after reviewing my credit reports I saw that my student loan stated that I was 90 days late. The reports starts my payment history as 90 days but prior to the 90 days is has an on time payment history. If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate. Prior to the month that states 90 days it should state 30 day late, 60 day late leading to my 90 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully graduated in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called XXXX, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while XXXX states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called XXXX and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called XXXX. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the XXXX XXXX XXXX XXXX is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting

Company response to consumer: Closed with explanation