vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CA

Complaint narrative:
Experian still continues to report this account inaccurately. They are reporting a closed Credit Card, 30 day late XXXX XXXX  XXXX, this account was closed and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They told me in writing that this account would be removed on XX/XX/XXXX, it has not been removed. 
I've attached proof of payment when I closed the account and the prior months payment for XXXX and XX/XX/XXXX. I've attached numerous examples of this company reporting this account fraudulently and inaccurate. I've attached the letter they sent to me stating they would remove it.

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I transferred {$1100.00} from XXXX XXXX to Capital One. That cleared & posted in my Capital One savings account on XX/XX/XXXX ( tracing id # XXXX XXXX XXXX XXXX XXXX ). I shut down my wells fargo account on the XXXX because the transaction had posted & was complete, therefore my account was finally {$0.00}. They wouldn't close my account until it was totally all over at Capital One. My {$1100.00} posted in Capital One on the XXXX - then on the XXXX they somehow, for some reason, reversed my entire checking account- they undid the transfer- but my XXXX account didn't exist anymore so there was nowhere else to 'return it to ', so now my checking account money is missing in cyberspace. I've spent hours on the phone with them, XXXX at them, dm-ing them, etc. for days & they haven't undone the reversal. So I'll be at least a week in XXXX with {$0.00} in my checking account- they won't even front me my own money back as they 'investigate '. They told me today that 'we 'll mail you a letter in 5-8 business days about the progress ' .... nor will they even reimburse me with any sort of token of apology for their blatant mess up. My rent is due in a handful of business days & they won't fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-18 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: TN

Complaint narrative:
I have contacted all the Credit Bureaus/Agencies ( Experian and XXXX ) and the Creditors ( XXXX, XXXX Auto, XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-10-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
To Whom it May Concern ; I am writing and asking for help re mortgage. Currently mortgage is with MR. Cooper. 
Mr. Cooper is not lender. Mortgage was sign originally in XXXX with XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. In XXXX was transfer or sold and currently is with MR Cooper who is 3 party on this mortgage. Mr. Cooper provides only invoices and account information. This loan is agreement with XXXX XXXX Rates. Rates are changed every 6 months and are between 11.75 % and 5.750 % .Currently LIBRO will be phase out and will be replaced. How I am affected with this change? Please can you advise or recommend any other agency who can help and look at this closer in history of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith & Smith Investors LTD
State: NE

Complaint narrative:
After reviewing my credit reports, I have found invalidated information which has been reported by Hawkeye Adjustment Service, located at XXXX XXXX XXXX, XXXX XXXX, IA, allegedly opened on XX/XX/XXXX, that I dont recognize. To my knowledge, I have never received any notice or communication from this company previously. I disputed this alleged debt, in writing, on XXXX XX/XX/XXXX directly to Hawkeye Adjustment. Letter and certified mail/return receipt proof are attached to this complaint. This letter requested validation and proof of the alleged debt, that Hawkeye Adjustments legally owns the alleged debt, accounting of the alleged debt, their license and legal ability to collect debt in the State of Nebraska, among other pertinent forms of proof. 

On XXXX XX/XX/XXXX, I received a response from Hawkeye Adjustment in the mail dated XXXX XX/XX/XXXX. The response is also attached to this complaint. A self-generated List of Accounts by Hawkeye claiming XXXX this is an attempt to collect a debt. '' Besides not validating, verifying, or proving anything, this accounting of an alleged debt states that the last creditor activity was XXXX XX/XX/XXXX. If that is true, then this alleged debt is time-barred according to the laws of the State of Nebraska. More so to this point, there was no proof in their response that Hawkeye Adjustment is legally allowed to collect debt in the State of Nebraska, for which these operations require a license. Fortunately for me, the State of Nebraska posts a complete list of Licensed Collection Agencies on the Secretary of State website. This list was last updated in XX/XX/XXXX, and Hawkeye Adjustment is nowhere to be found on this list. I can only surmise that this company has been illegally operating in the State of Nebraska the whole time they have been wrongfully and illegally reporting unverified and inaccurate information about this alleged debt on my credit reports, for over 3 years according to their own documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
the problem listed on the prior webpage is the same as mine ... paid forever and many fees added -- owe more now than ever ... My loans were sold to a private institution ( preventing me from ability to receive forgiveness -- without my knowledge or consent ). 
I have worked as a XXXX XXXX XXXX, as a XXXX in a State University ( XXXX ), and as a XXXX XXXX XXXX -- for a cumulative total of over 15 years ... No forgiveness me though ( guess I am too XXXX and a male or something like that ) and I owe more now than I originally did -- despite 15 years+ in payments -- very discouraging! I believe I have paid interest now totaling approximately {$45000.00} and owe more today than I originally took out in loans... 
Doubt you will help! Keep making that money... 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting : XXXX XXXX/XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NC

Complaint narrative:
concerns by phone and mail are being ignored no verification

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 2021-10-18 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: Nelnet, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I also tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX-Balance $ XXXXDate Opened : XXXXHigh Credit : {$4000.00} XXXX-Balance $ XXXX Opened : XXXXHigh Credit : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MD

Complaint narrative:
Please be advised this is my FIRST WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA account : XXXX XXXX ( {$550.00} ) # XXXX, SXXXX XXXX ( {$470.00} ) # XXXX, XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$0.00} ) xxxxxx, XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$160.00} ) # XXXX, XXXX XXXX ( {$3500.00} ) # XXXX Late Payments : State Employee # XXXX, XXXX XXXX # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, US SM BUS ADMIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CT

Complaint narrative:
On Friday XX/XX/21 I received notification from XXXX of a hard inquiry from Bank of America. I immediately called XXXX and was redirected to Bank of America. I called the bank and the representative was unable to verify based off security questions so I was sent into a branch. The branch did not see anything and I was told not to worry. This morning I received an email from Bank of America the denial and reference number # XXXX. I then contacted XXXX who has since placed a file lock on my account and I was told I had to file a report in order to have the inquiry removed from my report. I have been unsuccessful with Bank of America with speaking to an agent and it is very frustrating.

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 2021-10-18 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Someone created a fake XXXX account using my name, address, and credit card number and made a purchase on XXXX for two items that were supposedly shipped and delivered to my address. When I saw the charge of {$120.00} on my credit card and couldn't locate an order in this amount on my husbands XXXX account, I knew right away it was fraudulent. I called Barclay 's Bank immediately to dispute the charge and request a new card. They issued a provisional refund for the amount listed above while they completed their own internal investigation. 

I received a letter dated XXXX that said they had completed the investigation and were able to determine the charge was indeed valid and they would reinstate the amount to my card. When I called them today ( XXXX ) they told me they have received documentation from XXXX showing that it was a valid purchase on an account with my name and address listed for that amount. I asked if they could send this information to me and I was told no. I was told by XXXX at Barclay card that I'd need to call XXXX to resolve. 

I called XXXX and spent 2+ hours on the phone and spoke to 5 different people. First person wasn't able to verify the account because my phone number didn't match. Clue number one that this was a fraudulent account. I was then passed between other folks and the final person XXXX basically told me I needed to call my bank back to request a new card. I explained I had already done this. And then miraculously they couldn't find my account. 

I am out {$120.00} and have no products or anything. I have never had an XXXX account under my name or address. And now I am getting emails from XXXX telling me they can't find the 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 2021-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/21 I contacted TIAA in order to close out any accounts I had open with them. The agent I spoke with said that the system will automatically clear out accounts but refused to actually close it, only that he would " ask to close it now '' while saying that it will most likely not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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