vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: NJ

Complaint narrative:
Hello, Yesterday I summited a complaint, complaint number XXXX. Today I received a notification that the account was updated again, solely with the information I provided yesterday from information on my XXXX report. Experian has failed again to adequately assure that the information being reported is 100 % accurate. They solely took the information that was showing on the XXXX document that I submitted in the complaint number above and utilized that information to update this inaccurate account on my report. When spoken to a prior representative I was told if XXXX XXXX is reporting this to us we must put it on your file. I have to contact XXXX and tell them to stop reporting it. According to FCRA is does not matter what is being reported. The information has to be verified as accurate. Experian is not doing so. They are not doing their due diligent of protecting the consumer. I stated does this information have to be verified, he stated it was, but yesterdays complaint shows that Experian did not do their due diligent in assuring that information was correct. 

They just did it again today on the attached documents. They updated my file with information that was provided from my XXXX report without verifying if that information is correct. Their was no verification process done. They are purposely reporting inaccurate account on my credit report damaging my credit history because they are refusing to do the job at hand. The update they made in just one day was not verified to be 100 % accurate. They are simply updating information on my report solely based on the information from another credit bureau, that has removed this account today as well due to inaccurate reporting. 

Experian was reporting payments as shown on attachment and was updated today without verification of accuracy solely based on what was reported by XXXX on the attachment I submitted yesterday on the above complaint, but no payment history was every reported to XXXX for this account. How was this information verified by experian? causing my score to drop. They performed no verification process assuring accuracy. The information was not verified that XXXX was providing the correct information. 

The refusal of this credit bureau to remove this inaccurate account is against the FCRA, if any information on a consumers report is deemed inaccurate after the bureaus has deemed it accurate is a breach of those regulations and must be removed. Experian is refusing to do so after they have reported inaccurate information twice.

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 2021-04-08 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: CA

Complaint narrative:
The company called XXXX XXXX XXXX is reporting to the TransUnion Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX on Cash App $ XXXX which is XXXX XXXX he paid me XXXX dollars at XXXXXXXX XXXX at XXXXXXXX XXXX My wife and I went inside to the ATM at XXXX XXXX XXXX XXXX XXXX XXXX TX. We tried pulling out XXXX it said that was to much try a lower amount so then we tried XXXX was declined then tried XXXX declined so then I thought maybe tried using the wrong pin number so tried my other pin number then it was declined again for wrong pin number that time. I then went pulled up my account on cash app and then it should I received XXXX dollars that I never received I went back into the bank and said something showing my receipt where it shows all transaction were diened she said have to call cash ap which I did and everyday have been reporting this error and uploaded the receipt which shows all three transactions of XXXX, XXXX and another XXXX all declined with time stamp of XXXXXXXX XXXX on XX/XX/2021. No body seems to be even trying to fix this problem at all. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Service Finance Holdings, LLC
State: UT

Complaint narrative:
I have been disputing a very serious error on my credit file and the company - Service Finance and XXXX has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from Service Finance.. It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company.

Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase.

My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with Service Financial which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company.

When we dispute with Service Finance they say that they are not reporting as a mortgage to XXXX XXXX says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage payments are set on automatic and have been since the day i got the mortgage. 
The bank is bbva/compass, the money normally comes out of my XXXX checkings account and gets paid to my bbva mortgage on the first of the month. 

All of this happened in XX/XX/2021. 
On the XXXX I noticed the money had not been with drawn, so I called. They stated everything was ok. 

On the XXXX I looked, the money still had not been with drawn. So they had me make a payment and said that they will reset up automatic payments. 

On the XXXX my checkings account shows that they with XXXX the normal monthly payment {$2600.00} On XX/XX/XXXX I received an e mail stating that I am over due for my mortgage. Additionally I was locked out of my account ( apparently for being over due, I am not sure ). 

I spoke to many people on the phone at bbva, they could not locate where my money was for the XX/XX/XXXX payment, and for whatever reason it felt like they couldnt see my checkings account if they are in the mortgage department despite it all being the same bank. Also they couldnt unlock my account. 

They asked that I make another payment, just so I dont get any over due or missed payments. So i did, on XX/XX/XXXX I made another payment of of {$2600.00}. 

They didnt know where my first payment went, DESPITE it coming out of their own checkings account. I spent about 9 hours on the phone with the bank, i was disconnected and not called back 3 times. This bank is terrible. 

After I got my account unlocked and i showed them - look i made a payment XX/XX/XXXX. They still didnt refund my money, they are making me wait while they do an investigation. What kind of bank does this? They should have fixed it first, it is their mistake. 

I have pictures of everything, including my payments and my over due e mail. Also the late fees i incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I started the refinance process with 5/3rd ( they previously held my note ) back in XXXX of 2020. We finally closed on this mortgage a couple months ago. I was told by the sales rep XXXX XXXX that the amount was XXXX a month and maintain my existing years left which was 27. I later discovered that he switched my time frame back to a 30 year and showed me different paperwork. During the underwriting process I still paid my mortgage every single month up until closing day. During this time 5/3rd was escrowing my biannual property taxes however failed to pay them to my township. My taxes are now 60 days late along with a 3 % fee being added. I have called 5/3rd about 15 times with 0 help at all. They said our tax department handles this but they have no phone number only an email and fax. I have emailed them multiple times with no response. I had one woman tell me to reach out to my closing team which included the sales rep and his assistant. I did hear back from the assistant who said she was helping but has since been fired/quit? XXXX has never attempted to call me and the mortgage services line said they have the money but wont release it because the tax department has to do this. Every person I have communicated with is completely incompetent and not willing to help, " its not my department I cant help you '' is all I hear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I Leased a car through Nissan and I called them in XX/XX/XXXX to discuss deferring payments because of loss of income due to Covid 19. They gave me a 3 month grievance to not pay on the lease. I called XX/XX/XXXX and asked for 1 additional month grievance and were given permission to not make the payment due to my circumstances. Unfortunately my car was repossessed in XX/XX/XXXX. I have spoken to Nissan several times and have filled out packets of information and here we are in XXXX and they have not processed the paperwork to return my car or give me any options. I was told by Nissan that I would get my car back, but every time I call Nissan says its still processing paperwork 3 months late? Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
I am the Petitioner that states XXXX XXXX  had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and XXXX XXXX  has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXX.and explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX  report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order XXXX XXXX XXXX. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to 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 2021-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I would like to start and say I'm XXXX XXXX XXXX  XXXX XXXX. I have served my country honorably.I was getting information from a Navy Federal call center representative for paying off an auto loan. She was belittling me and being very narcissistic. I asked her to transfer me to a manager because I didn't like her attitude and she said she was disconnecting the call I had a few choice words but she had already disconnected the call before she heard them. The next day I called and got a manager on the phone and was belittled again and asked to speak to a manager over her the call was once again disconnected. Navy Federal has declined my online and branch privileges. I live in an area where Im Not able to make deposits from my account. I feel this is very unjust and unfair. I was not the one who started being rude. I clearly asked for management 2 times and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: GA

Complaint narrative:
There are fraud and wrong information on my credit report and I let the credit bureaus know but the information hasnt been fixed

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 2021-04-08 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: UT

Complaint narrative:
I have been disputing a very serious error on my credit file and the company - XXXX XXXX and Experian has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from XXXX XXXX It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company. 
Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase. 
My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with XXXX XXXX which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company. 
When we dispute with XXXX XXXX they say that they are not reporting as a mortgage to Experian. Experian says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.

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 2021-04-08 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: GA

Complaint narrative:
There are fraud and wrong information on my credit report and I let the credit bureaus know but the information hasnt been fixed

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 2021-04-08 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Had a dispute with merchant. Citi started investigation and sent me email stating my dispute has been resolved and to go to their website. Went to website and was given blank letter with just my address. Called customer service and spoke to manager XXXX XXXX XXXX XXXX XXXX who could not tell me anything on my dispute and was unable to call or lookup any information to fix the issue.

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 2021-04-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company called Portfolio Recovery Associates is reporting to the XXXX  Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX  credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a credit card and Equifax dropped my score down 71 points i only have 4 inquiries on my credit and now they have 7 months of perfect credit from my car note and they have not shown any kind of credit increase for this and they are dropping my credit for no reason and not reporting it correctly and I want this fixed or do I need to take them to court What they are doing is totally illegal and they should be held liable to fix this. 

XXXX

Company response to consumer: Closed with explanation