vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for an apartment and was denied due to a civil/ eviction on my credit. This account as paid in full and shouldnt have showed up. I then submit a dispute through rentgrow to XXXX and transunion rental department. XXXX  got the matter taken care of in a week and sent over an updated report to rent grow. Transunion on the other hand has not sent over anything. It had been over 30 days now. I have called every single day and Im being told I dont know when this will the dispute will be closed. I submitted supporting documentation the same day I submit the dispute so it should not take any additional amount of time. Everything was submitted on XXXX XXXX. I urgently need this matter to be taken care of so that I may get this apartment. Nobody can tell me anything except I dont know. Legally I know something is wrong here and it should not take this long.

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 2020-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have set up automatic payment for my student loan with Navient. It is supposed to automatically withdrawal {$240.00} on the due date. For whatever reason they did not withdrawal it this month on it's due date of XX/XX/2020. Today XX/XX/2020 they called me and my husband 4 times before XXXX XXXX. It has only been 4 days, we did not receive any emails or other notices that the automatic payment didn't withdrawal. This seems excessive and aggressive for 4 days late and the fact that all of the bank information is update and working. SO this was something that went wrong on their end and instead of fixing it themselves they call us repeatedly as if we did something wrong. Then when my husband called they refused to speak with him, even though he is an authorized person on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
My apartment burned down in 2018 where my electric bill was still active in an uninhabitable environment. XXXX XXXX charged me for a timeframe that I was not in the unit and I was required to pay it to move back in, which I did on XX/XX/2018. This account is currently negatively impacting my credit report as a collections account and a charged off account on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I receive benefits from Pennsylvania department of labor. 
Since the beginning I can not register and login on their web page I try for 5 weeks. 
They have 2 tolls-free number and neither one is working. 

I could not have a statement, balance, nothing! I just know by test message that I receive some money on the card. that's The service bank is US BANK Are they bankrupt? What is there problem??

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I received an alert of a hard inquiry on my credit by XXXX XXXX. I contacted XXXX and alerted them to possible fraud. They confirmed that they had identified the online attempt to open an account as fraud. The XXXX Fraud Prevention Team sent me an email on XXXX saying that they were notifying all 3 credit bureaus ( including Equifax ) of the request to remove information regarding the fraudulent activity. The hard inquiry remained on my credit report, so I disputed it with Equifax on XXXX and again on XXXX. Equifax failed to take any action either time, and sent me a letter saying the dispute was closed and I should contact XXXX. Of course, I had already done that. Their letter also states that I can submit any additional documentation regarding the dispute online and gives their web address. This information is false and Equifax 's systems do not allow consumers to submit documentation in connection with an initial dispute of a fraudulent hard inquiry or after it is decided against them. 

As a practical matter, Equifax is not actually offering a real ability to dispute a hard inquiry. They do not allow documentation to be submitted with a dispute and they do not investigate. They merely confirm that a hard inquiry was made ( which is in fact always the case with fraud ) and then they close the dispute. 

Congress should regulate the credit bureaus and take action to protect consumers. Equifax has been on notice for months that they are providing misleading information that materially impacts my credit score due to fraud, and has made no effort to resolve it. Their systems are designed to prevent me from submitting any documentation. I have called them numerous times and am not getting any help. 

Please assist in getting this fraudulent hard inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 around XXXX, I have received a call from number ( XXXX ) -XXXX.. with caller Id showing as a Potential Scam. When I answered the call the caller screamed my name. I told him that it was me. He then asked me for my date of birth. Then told me that I owe {$290.00} to a hospital in NJ. I asked him to send me the bill and told him that if I really owe them then I will pay them. He said that he is not the one to send the bills. I told him that I do not owe any hospitals as far as my knowledge goes. He said he works for Wakefield Associates law firm. And if I do not pay, he started threatening me and my family. The caller said that he will spoil my family 's history ( not sure what he meant by that ). Threatened severe action.I told him that I will complain to federal authorities. He said " go ahead and do it ''. 

After few minutes, I went on Wakefield Associates website and wrote a complaint. The next day, a person by name XXXX, claiming to be from XXXX XXXX, messaged me on my XXXX. I told him all that happened. This morning XXXX sent me another message saying : " Would you be free to discuss this on the phone? ". So far I did not reply. My wife is sick, she has severe XXXX ( hope it is not XXXX ). None of us are going outside. Calls like this are scary. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i am not XXXX. i have filed a complaint with the CFPB last month and received a letter back stating that american express made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND XXXX. NOW I WAS DECLINED A XXXX LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This account was paid off on XX/XX/XXXX. XXXX XXXX XXXX is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am not deceased. i have filed a complaint with the CFPB last month and received a letter back stating that XXXX XXXX made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN TRANSUNION, XXXX AND XXXX. NOW I WAS DECLINED A XXXX  LOAN.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am not deceased. i have filed a complaint with the CFPB last month and received a letter back stating that XXXX XXXX made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND EXPERIAN. NOW I WAS DECLINED A PPP  LOAN.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
On hold in excess of an hour only to be hung up on every time. Has happened ten plus times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 & 60-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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
For the past 1 year after not being notified of this debt, I have been trying to reach out to the creditor XXXX in regards to this debt not being mine. I have requested multiple times method of verification to prove this debt belongs to me ; unfortunately, this info has not been received all my attempts have been ignored.

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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
This debt collector represents an inactive debt and is duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
In XX/XX/2019 we were told by XXXX XXXX XXXX my mortgage was being sold to Rushmore Mortgage and they would contact us. It took 2 months before we were contacted by Rushmore on where to send our payments. Once we received the address we fedex 'd a check to Rushmore.  During that process there was still 3 months they were saying we needed to pay them. At that point we entered into a repayment plan. My problem here is Rushmore is showing me currently 90 days past due and then 60 days past due before that. I have done everything I'm suppose to do and I'm asking that the 60 and 90 day lates removed from my credit report due to our repayment plan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an account with Bank of America in XXXX XXXX, Texas approximately a month ago. From day one it has been a hassle. I went into the bank and spoke to a man " XXXX? " and he could not help. When I opened the account was told to keep a certain amount and there would be no charge if funds were wired into the account. The account was no " old '' enough to have the funds deposited by wire cause I closed it less then a month due to the charges prior to receiving them ( hope all this makes sense ) I get from 3 retirements a total of {$2700.00} a month. Opened the account with {$100.00}. It was not working out so I went to the bank trying to resolve a problem of charges and was totally " ignored '' so I got up and left. I closed my account over a week ago. I wrote the head office and the one in XXXX XXXX, Texas why and no one ever replied. I am now getting a charge of {$35.00} daily totaling {$200.00} now for not having funds in account. I wrote a letter which to date has not been honored. Now they are asking for {$35.00} a day and the amount now is {$200.00}. I do not feel I owe them a dime. Please help

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 monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt collector represents an inactive debt and is duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Today, XX/XX/XXXX, I logged onto my lenders website. Amerihome Mortgage. I used their online system to attempt to defer my mortgage payment for afew months as my income has been affected by the current virus. Amerihome claims deferment is not an option, only a forbearance which will require I pay all 3 months off as soon as the forbearance is over. That wont be possible, and is also not what has been told to the American people by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: LA

Complaint narrative:
In XXXX after checking my credit report I noticed that this file from XXXX appeared. It is not mine, so I disputed it. Additionally, I contacted XXXX and they agreed that the account in question was not mine and agreed to request its removal. This account was removed from both XXXX  and XXXX XXXX however it remains on Experian. I contacted Experian several times and as of date they still have this account on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Bluebird randomly shut down my account again for the 2nd time without reason this morning. I sent a {$490.00} payment to someone and then an hour later I was unable to login to my account. I tried calling their support number and talking to someone but it seems impossible to get someone on the line. When I give my account information to the automated phone support, it states " Your account has been permanently suspended, goodbye ''. If for whatever reason my account can not be reopened because I did something wrong, which I did not, I would like the money that is still left on my account sent to another bank account or a check mailed to the mailing address listed on the account. Thankfully I got most of the money off of there when I made the {$490.00} payment this morning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - XXXX XXXX Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Card Disputes, Please re-open my XXXX XXXX  dispute below. This dispute is for an item not received, but was paid for in advance. An item not received is unrelated to a package being delivered, because a package can be delivered without the pants. This dispute has no relationship to delivery, and it is disrespectful that you closed it based on postal delivery. I did not ask the merchant to merely ship a package with a postmark. I paid them to truly deliver the exact items specified in new condition, good quality and on time at a safe drop location in a strong, secure, and untampered box to my house, and not my neighbors house. 

Consumers pay in advance because they trust the merchant/vendor and the credit card. There is a consumer contract in place with 2 sides. As with any contract, both sides must follow through on promises. This is not the case with the XXXX XXXX purchase transaction. I made a payment for an item that I never received from the merchant. There are countless reasons and possibilities as for why, and a comprehensive investigation consider all possibilities. It is possible that a XXXX XXXX employee never put the pants in the bag and is completely responsible for the mistake or theft. 

Case Number : XXXX Merchant Name : SP * XXXX XXXX  Dispute Amount : {$89.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AL

Complaint narrative:
EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT. 
THEY MAILED ME TWO DIFFERENT LETTERS, THE FIRST ONE STATED THAT THEY VERIFIED IT WITH THE COURTS, WHICH WAS NOT TRUE, I CONTACTED THE COURTS AND WAS TOLD BY THE COURT CLERK THAT THEY DO NOT REPRT ANY INFORMATION TO THE CREDIT BUREAUS BECAUSE IT WAS AGANIST THE LAW, I NOTIFIED EXPERIAN AND TOLD THEM, THEY MAILED ME A LETTER STATING THAT IT WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX ND THEY STATED THAT THEY DO NOT HAVE A BANKRUPTCY SHOWING ON MY FILE, I HAVE MAILED THEM CERTIFIED DOCEIMENTS TO PROVE WHAT I WAS TOLD.

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 2020-04-23 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: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-04-23 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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