vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting SHELLPOINT MORTGAGE SVC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
About mid XX/XX/2021 I received a letter in the mail stating if I paid them a reduced price then the debt would be considered paid off and would be settled. I arranged for payment and was paid for deletion. It has now been 2 months and it is still reporting on my XXXX credit 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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have had a fraud block on my Citibank account since XX/XX/2020. I called and they stated via telephone that the account was due to be closed after 30 days. It has been more then 30 days. They still allow deposits into my account. They will not notify me via mail, telephone, or email about why my account is like this. I have had my stimulus check deposited into that account and I am not receiving any mail.

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 2021-03-12 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: NY

Complaint narrative:
Looking through my report and I still notice the accounts that I've previously filed XXXX on the following : XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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:
RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to Equifax, apparently I do not exist. I have an account, but it is no longer recognized. I can not get a credit report from them via XXXX, although I do from the other two agencies. While they have no problem assessing me a credit score, I have a thin file and they refuse to recognize me with their automated system, and I can not contact them otherwise. They ignore all letters. I sent them a letter on XX/XX/XXXX, no response. Another letter on XX/XX/XXXX, also ignored. And a letter requesting a 7 year fraud alert on XX/XX/XXXX. That was responded with a postcard saying they acknowledged the 7 year alert, and I would not have to notify the other two credit reporting companies, which I had already done. They did not respond to any of my complaints about having an account I can not access, that I can not get my credit report, and they have not responded to any prior letters. I am the victim of identify theft, due to a breach of a government server, and the monitoring agency that they assigned me said they have nothing but problems with Equifax. I have credit freezes with XXXX and XXXX, and no problems with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: IN

Complaint narrative:
I am a victim of identify theft I did not authorize or give consent .The following items do not belong to me and is a result of fraud that I did not authorize. Please see attachment and delete all accounts listed

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 2021-03-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX  regarding the inquires.

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 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/2016, I purchased a vehicle from XXXX XXXX in XXXX, Maryland. At the time, I went to purchase the vehicle I was ordered to sign a stack of papers, included in the papers was a warranty for the vehicle. Although, I found it strange that I was asked to sign documents for a warranty considering the car was brand new. I asked for copies of the documents I signed and was told that I would receive them the following day, when I picked up the vehicle. The following day, I received no paperwork. A few days after that I received a certified letter in the mail from the warranty company stating they were refunding the money for the warranty because the warranty was unnecessary. At that point, I begin asking for paperwork regarding my loan. It was only at a later time did I receive the loan paperwork in which stated the car I purchased was a used car. However, the vehicle was not a used car, it was a brand new car. I was the only Owner and it was fresh off of the lot. 
The monies refunded from the warranty company was put on the back of the loan. Although, it was incorporated in the sales price of the vehicle. The paperwork presented to me was for a new vehicle. When I finally received a copy of the paperwork, the paperwork eluded to the car being a used car. The car was not used. The loan is fraudulent. In addition, to that the bank has been utilizing ill business practices. I have tried to contact my lawyers but they have refused to take my case based upon certain factors.

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 2021-03-12 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: TN

Complaint narrative:
The following account information I have listed below was not handled properly due to XXXX XXXX, Transunion being non-compliance and being in violation of the FCRA.

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 2021-03-12 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: CA

Complaint narrative:
I recently received a copy of my credit report, The credit report showed a credit inquiry bu your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. Please have this inquiry removed from my credit file immediately because it is making very difficult for me to acquire credit. 

I have sent this letter certified mail because i need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary. 


Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2021-03-12 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to XXXX XXXX XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job Navient to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: NH

Complaint narrative:
Every time I fill out the application it sends me back to the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: CA

Complaint narrative:
On XX/XX/2020 I submitted a return to sender letter to Experian for the fraudulent information on my account provide by XXXX XXXX. I never received a response for my inquiry in the investigation. XXXX XXXX claims I owe over {$5000.00} but I have no knowledge of the account. I have attached documents for my investigation with Experian.

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 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I applied for and obtained a payday loan from skytrail cash. The amount of fees are well over the state of Floridas allowed interest for a payday loan and I have been taken advantage of. I have received multiple calls from them at my place of employment and advised they can not call but they continue to call. In addition I have received a threatening email that they will debit my checking account knowing full well ach has been revoked and I am not allowing them to debit my account and put it into the negative. I have more than paid for this loan with the amount of fees that I have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed with XXXX several times to delete the trade line do to FCRA deletion period met. The account is 9 years old and the company keeps falsely reporting the open date at a new date. Account was open XXXX XXXX  and they have updated reporting to show XXXX XXXX. I would like for them to delete the trade line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX  and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit bureau is reporting my medical bills. According to HIPPA no protected health information should be shared publicly. This goes against HIPPA Rules and regulations and violations my rights.

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, I have a history that goes back 15 years with Bank of America and throughout those years I have never had any adverse action on any account that I held with them. I recently opened an account with them and due to the mail delays I did not get anything pertaining to the account for over two weeks. When I called in to the call center for customer service center to figure out how to get everything in order I was told that the account was considered fraud. I asked why and explained that I could not take action on an account that I have no information for. I was told that they could not provide me any information and that was it. I recently received a letter in the mail again expressing the account was closed for fraudulent reasons with no explanation and the decision was final. They also expressed that this could affect my ability to hold any account with them in the future. I live in the same home I have lived in for over 20 years and all information that I provided was valid. I think this was not right considering they could not provide me an explanation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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