vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
We were scheduled to close on our property in XXXX tomorrow, XX/XX/2020 with Atlantic Bay mortgage company. Our mortgage banker XXXX XXXX just informed that closing will have to be moved to Friday. She refused to explain what the reason was and blamed it on us pushing the closing date. When I spoke to the builder 's agent, XXXX XXXX, she informed me that XXXX had in fact forgotten to send us a disclosure document over the weekend and that I was supposed to have received it 3 days before closing. XXXX just confirmed to me this morning at XXXX XXXX  that everything was good for closing. The builder 's agent confirmed with all parties over the weekend that everything was good to go. We have hired a moving company, scheduled deliveries, and checked out of our hotel for tomorrow. I filed an online complaint with Atlantic Bay but received no email confirmation. When I tried to file a complaint over the phone, Atlantic Bay hung up on me every time I attempted to do so. I am disgusted by this unprofessional treatment. This company has terrible customer service and apparently incompetent staff.

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 2020-07-28 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: TX

Complaint narrative:
I sent a letter to Transunion disputing the inaccurate bankruptcies reporting on my credit report. Transunion responded saying that they were verified. I find it weird because I reached out to the XXXX  courts to get more information on how they verified with the credit bureaus because it is inaccurate. The court clerk sent me a letter stating they haven't verified anything with the credit bureaus. 

So clearly Transunion never conducted a proper investigation and did not get their information from the courts this explains why it is inaccurate. 

Transunion has still failed to delete the inaccurate bankruptcies.

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 2020-07-28 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: GA

Complaint narrative:
XXXX AND TRANSUNION ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND FED LOANS SERVICING. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY TRANSUNION CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY 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 2020-07-28 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT NELNET HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY XXXX CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER NELNET HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 I received XXXX ( Worth then {$18.00} ) of XXXX XXXX ( XLM ) on an airdrop from the XXXX app. My friend sent me XXXX more XXXX as a gift to help me start investing in cryptocurrency. I then sent XXXX XXXX to my digital wallet on Coinbase. 

After XXXX weeks I noticed I didn't receive anything and contacted Coinbase support. This began a cycle of them shutting down my support question when it was unresolved or telling me I had to send them more XXXX  to verify when they lost my initial deposit in the first place with vague instructions. I tried to get live support but they kept sending scripted messages with either the issue was resolved or send another transaction. 

I have included screenshots below with the XXXX transaction and messages from support. XXXX mail deletes anything longer than XXXX  days so my earliest email shows XXXX but I have tried to contact them since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
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: TX

Complaint narrative:
This letter is to file a compliant about the way you have reported my student loans to the credit bureaus. After putting my loans in deferment because of XXXX XXXX then consolidating them, at which time we never had any late payments. You have decided to report that I was over 120  days late on 16 accounts which were in deferment and the loan details from you show that we were never late and the loans are all paid off. I have put in multiple disputes and now this is keeping me from buying a home. I am asking that the correct information be put on the credit reports that I was never late on ANY payments and loans were paid off according to the consolidation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received in the mail unsolicited materials/advertisement from Lowe 's about a special sale and the opportunity for new account holders ( of Lowe 's Card ) to receive special discounts. I don't need a new credit card, have limits above XXXX on EACH of my cards and could easily pay cash. My husband and I were in the market for a new washer and drier, so I thought we would look at what they had to offer. 

I should tell you from the onset that I have a XXXX credit rating and a 40 year credit history. 
I am a XXXX and XXXX University and make a very solid XXXX figure salary. 

When I finally received my card, it took a bit, as like many people I have a fraud alert on my credit so no one can access my credit. I did forget about this, so I had to work with credit agencies. 

The cost of the washer and drier is about XXXX. The card, issued by Synchrony Bank, was for a credit limit of XXXX. 
As I indicated above, I am not some recent college grad. There is NO reason why the bank would do this. Who doesn't want to do business with me. 
This is a discrimination issue ... loud and clear. Anyone at the bank could have look at my credit history. This is a sham!! 

I appreciate your help in this matter XXXX XXXX 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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I use my PNC account for two investment applications - XXXX  and XXXX XXXX. Neither investment application will allow PNC to connect as the funding source so they have shut down the ability to invest funds directly from my bank accounts. XXXX has directed me to file a complaint with the CFBP and they are currently working with PNC to Restore the connection. I am not the only one this is happening to, this is PNC customers as a whole. Thank you for considering my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Avant Credit Corporation
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. This account has since been closed but it is still affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: AZ

Complaint narrative:
I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX  XXXX  XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

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 2020-07-28 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: AZ

Complaint narrative:
I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.

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 2020-07-28 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am currently under the CARES ACT of 2020 for my FHA Mortgage loan with BB & T. Based on the guidelines under this act, my credit is not supposed to be effective. However, BB & T is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at BB & T stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.

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 2020-07-28 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: Lending Club Corp
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Like always, EXPERIAN in the WORST at actually " investigating '' ANYTHING. They NEVER actually look at ANY information you provide them. I am not even convinced they even CONTACT the so called creditors. They simply make notes on you credit report saying " Completed investigation, consumer disputes, meets FCRA dispute-consumer disagrees. '' On this particular case, XXXX   XXXX CONTINUES to make items as CO rather than included in bankruptcy or closed like all the other accounts with XXXX XXXXXXXX XXXX. Accout # XXXX. I have asked several times to have this CORRECTLY updated and again, the only thing I CONTINUE to get is " investigation complete ''. I havfe provided ALL the bankruptcy papers and documents, which CLEARLY the DO NOT even bother to look at EVER. EXPERIAN IS A SHAME AND FRAUD and I AM REALLY sick of FIGHT THEM!

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 2020-07-28 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: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with XXXX  as of today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my Experian Credit file and my account status with XXXX  as of today ( XX/XX/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 non-monetary relief
Consumer complaint received 2020-07-28 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: KEYCORP
State: CA

Complaint narrative:
FOR XXXX XXXX AND XXXX XXXX WE DEMAND KEYBANK AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX  AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR KEY BANK. 

PAYMENTS THAT ARE MADE TO KEY BANK WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A KEY BANK PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED KEY BANK AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: TX

Complaint narrative:
I have reached out to Equifax twice to dispute the inaccurate bankruptcy they are reporting on my account. Each time their response said the account was verified. I took it upon myself to reach out to the courts that it reporting the bankruptcy. They told me that they have not verified any information with the credit bureaus. So clearly Equifax never conducted a PROPER investigation. This also explains why they are still reporting inaccurate information.

Company response to consumer: Closed with explanation