vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. USAA DID NOT INVESTIGATE. 60 DAYS LAW GIVES BANKS TO RESOLVE FRAUD NOT FOLLOWED BY USAA. see attatched XX/XX/XXXX STATEMENT. **?? NO BEGINNING FRAUD INVESTIGATION CREDITS PROVIDED TO MAKE PERMANET. NO INVESTIGATION PROVIDED. see attatched STATEMENT XX/XX/XXXX ** ALL XX/XX/XXXX TRANSACTIONS ARE DUPLICATE CHARGES XXXX {$340.00} AND XXXX XXXX TOTAL {$470.00} TOTAL DUPLICATE CHARGES {$810.00} 1 ) USAA DID NOT INVESTIGATE FRAUD I REPORTED XX/XX/XXXX. 2 ) USAA DID NOT PROVIDE USAA CREDITS TO INVESTIGATE. 3 ) USAA POSTED DUPLICATE TRANSACTIONS OF XX/XX/XXXX XX/XX/XXXX {$810.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
For the past few years I have been struggling to pay my private student loans through Navient. I have a monthly payment of around {$670.00} which was based on my previous job as a salaried employee which I set up a few years ago. They refuse to lower my principle monthly payments and will only offer me interest-based only monthly payments which defeats the whole purpose of paying back these loans. I have done this in the past but I believe I was mislead to doing this a few times which has extended my payments. This is in addition to Navient creating difficulties for my repayment by providing misleading information including guiding me into entering loan forbearance in addition to other avenues that led to my crumbling credit score. This does not include the thousands of harassing phone calls that I and my family ( the cosigners ) have received, every day, multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2020-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Sir/Madam, The basis of this complaint began when I erroneously forwarded a XXXX XXXX Bill Pay payment to a closed Citibank account No. XXXX ( XXXX ) on XX/XX/XXXX in the amount of {$50000.00}. The closed account was for a mortgage and equity line that had been satisfied XX/XX/XXXX to the best of my recollection. The Equity Line ( XXXX ) remained open until XX/XX/XXXX. Proof that the payment was sent by XXXX XXXX is attached as Exhibit A. 

I have tried now almost a year to have this money wrongfully held. Neither XXXX XXXX or Citibank will help in my cause. Neither have offered us relief let alone help in this matter. I have had hundreds of communications attempts in writing, telephonic and in person communications with both institutions. I am attaching several of these communications to illustrate these communications. They dont show the hours of telephone holds and conversations with offices from NJ, Pa, Ohio, Utah to name a few. 

This is a GREAT amount of money and has caused us great hardship. It is being held erroneously by Citibank and they refuse to return it. 

I am attaching as Exhibit B several documents which illustrate the above timeline :. 
-XX/XX/XXXX Payment erroneously sent to CitiMortgage XXXX XXXX XXXX, XXXX Oh , XXXX. XXXX Acct No XXXX ( XXXX ) -Numerous conversations with Citibank trying to reverse the error lasting several months. Some conversations lasting hours of hold time. 
-An example of written correspondence is attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
-Several more conversations ensued with Citibank on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( just to highlight a few ). All stating summarily that they did not receive the funds so they would not be of assistance. I discovered that Citi had transferred mortgage payments to XXXX. After several communications with them I was advised that they had not received the funds. 
-I then went back to XXXX XXXX to ask for help but was advised that they had done their job by sending the payment and therefore not responsible and would not help me. 
-These communications went through XXXX to XXXX of XXXX. Again copies of all documents are attached. 

I am now contacting you in desperate need of assistance. Any help will be GREATLY APPRECIATED. I anxiously await your reply. 

Very truly yours, 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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: SC

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: OH

Complaint narrative:
Transunion did not properly investigate my complaint. The account I disputed was XXXX XXXX XXXX XXXX  listed on my trade line. I called the company and spoke with a representative who told me that the company had no knowledge of this account. With that being said, it should not be reporting to my TRADELINES. Transunion responded to my complaint stating that the item verified as reporting correctly.

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 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was checking my credit and saw negative results on my credit that i do not owed or know anything about. I just want this remove this account off of my credit. I have disputed and they just will not remove this fake account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i am NOT making a complaint about Capital one. this has to do with card ending XXXX i was just put on hold gfor 79 minutes while i understand the emergency i cant hold that long. anyway, i ordered from XXXX  around the XXXX  received nothing no answers to my calls emails there have been many please suspend the money and investigate this never received the merchandise. i ordered i cant be on hold for 80 minutes not right. this is XXXX XXXX XXXX. thank you i XXXX capital one and got a ridiculous response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-26 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: CORELOGIC INC
State: GA

Complaint narrative:
I filled out an online survey for XXXX XXXX to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.

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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
XXXX XXXX XXXX refuses to communicate with me. I have reached out via telephone calls, letters and emails. No response or return calls. Nothing states that XXXX and XXXX have purchased this alleged debt with XXXX XXXX. My credit score just keeps dropping. This is wrong and I want justice. I have been in many disputes with XXXX XXXX with the CFPB and you just keep closing it. XXXX XXXX doesn't have integrity and I feel I am being harassed by this issue. It has been going on since 2016. That's too long to resolve an issue. There is no reasonable excuse why this keeps continuing. Please see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I filled out an online survey for quicken loans to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation