vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: FL

Complaint narrative:
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 have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Names are inaccurate All those other spellings are inaccurate. XXXX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX  XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O 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
Consumer complaint received 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I began loan modification for a first and second mortgage in XX/XX/2019. The first mortgage went without a hitch, the second mortgage took an additional 30 days- I don't know why, and has had numerous issues. I was told to NOT make any mortgage payments while going through loan modification. Although I didn't make a payment on the first mortgage, there are no negative notations in my credit report. Although I began loan modification on the second mortgage, and was told not to make payments- making a payment could nullify loan modification. This message was told to me verbally and on a automated account through XXXX XXXX. My credit score was over 800 and I had no late payments anywhere on my credit report when I began modification. My credit report now shows that I was 30 days late, and 90 days late- not 60 days late which I find interesting. I am a rule follower. I provided information when asked, made payments as stipulated in my loan modification agreement, and didn't make payments when directed not to, and yet, my credit score is more than 150 points lower than it was before modification. Yes, I realize going through modification can affect my credit score- but I must say, the first mortgage loan modification hasn't affected my credit score. Also, although XXXX confirmed that I had asked to have my account evaluated in XX/XX/XXXX,  I wasn't notified or updated about the process. I had to call today, XX/XX/XXXX to mind out the progress. What happened to 30 days? Although XXXX claims the evaluated my account twice, it was abundantly clear during my two hour phone conversation today, that neither my complaint filed through TransUnion or the complaint I filed directly with XXXX in XX/XX/XXXX was looked at by anyone.

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 2020-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXXand XX/XX/XXXXI receive an email that my best buy account was late and I called several times to ask the company about it because I am always on time with all my bills. They explain that I was not late and I stated checking my credit reports and a late fee showed after calling XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2019 to  best buy they ask me to write to them about the problem and I did no one called me back to notify me about the income its going to be a year and this issue is not resolve

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 2020-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I was logging into Navy Federal app on my phone to pay my sons car payment I noticed that the bank account which I have not used in almost 2 years had {$58000.00} in it. I called Navy Federal On XX/XX/XXXX and they reassured me the money was mine and told me I could spend it. I paid {$35000.00} and paid off my car loan for my XXXX with Navy Federal and I transferred the rest {$16000.00} to my XXXX XXXX account so I could spend it since I dont have a debit card with the navy federal account that all of that money went into. I asked Navy federal where the money came from and they could not tell me all they could tell me was that its a credit on my account and it was my money and I can spend it. I was contacted 2 to 3 weeks later by navy federal recovery team telling me the money was not mine and I need to return it all. I returned all the money they took it and I also had a {$5000.00} in credit card debt that I was paying on and it was in collections I had Payment set up through my XXXX XXXX XXXX account to pay them every month until the debt was paid off they told me in XX/XX/XXXX that {$5000.00} Debt had been charged off and I no longer of them any money in collections at Navyfederal. Fast forward to today XX/XX/XXXX when I was supposed to receive {$1000.00} from my boyfriend so I can go get a XXXX XXXX and Navy Federal Collectuons dept has taken that {$1000.00} money and told me theyve applied it to the debt that I owe on that {$5000.00} that they had once told me was charged us and I no longer owed. Navy federal has not once tried to contact me since XX/XX/XXXX when they told me the debt of {$5000.00} was charged off and they took back that large sum of {$58000.00}. I have called them and asked them to give me the XXXX XXXX back because I was to use that for a XXXX XXXX on my XXXX tomorrow and now they say that they will not give me the XXXX XXXX back because the money was not mine. 
XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc.
State: FL

Complaint narrative:
While viewing my credit report i Saw a Debt collector account on my credit file for a Fidelity Collections, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: IL

Complaint narrative:
XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX and XXXX XXXX dba CEO of Experian Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.

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 2020-02-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax refuses to remove fraudulent ch XXXX bankruptcy docket # XXXX date filing XXXX and dismissed XXXX attorney XXXX XXXX XXXX. Documentation has been sent twice and disputes were started in XX/XX/2019. Court papers have been sent and they do not resolve anything. They still list the bankruptcy as being investigated and left on the credit report. 
I will attach the XXXX XXXX letter I received -- stating that my file is suppressed -- which was in XXXX. There is no way they could have verified this public record through any third party. 
The address in the bankruptcy doesn't even match any of my past addresses or records-which would not even comply with the Fair Credit Reporting Act. I will have to contact the Attorney General if this does not get removed I don't know what else to do at this point. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NV

Complaint narrative:
credit reporting agency XXXX continue to refuse removing invalid items from my credit report even though i many times asked them to do so.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX dba CEO of Citi Bank obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX   and XXXX XXXX dba CEO of XXXX Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.

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 2020-02-10 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I placed a credit report freeze on my accounts with the three credit agencies some years ago. I am trying to refinance my home and need those freezes lifted. I have, of course, forgotten my PIN. XXXX   and XXXX XXXX were able to help with a phone call. I have tried working through Experian 's website to retrieve my PIN, only to be told in a computer-generated response that it does not recognize my social security number/birth date combination. I know I have entered them correctly, as I have entered them repeatedly over a period of days, starting on XXXX XXXX, 2020, and continuing through today, XXXX XXXX, 2020. I have also dialed at least four different consumer report numbers without being able to connect to a representative. I have spent six to eight hours on the phone using various phone trees and trying to find a way in. Today I did manage to get to a representative, who asked for my SSN, my birthdate, address, email address -- all of which I provided correctly. Then he asked for my PIN and I explained that what I have been trying to do is reset/retrieve my PIN. He then said he could ask security questions and, if I answered correctly, he could help me. A moment later, he said his computer system was unable to generate security questions XXXX which he was unable to explain ) and said they could send me a new PIN in 10 to 15 days. I am trying to lock in an interest rate on a refinance, and that rate seems likely to rise over the next two weeks, which means that this will cost me thousands of dollars over the life of my loan. 
As I was searching my computer for my PIN, I came across notes I had taken two years ago, when we purchased our current home. We went through exactly the same problem then as now, and only with Experian. That time, they also had the option of uploading documents to their website, a process that I tried repeatedly and without success. To be honest, I don't even remember how I resolved it at that time. 
Finally, one of the things they insist that I put in the mail to them is a copy of my Social Security card. My understanding is that you should never put your SSN in the mail. And at this point, I have no confidence whatsoever that they will be able to protect my information, or even store it correctly. 
It doesn't take much XXXX to see that this is a common problem with Experian and that it has been going on for years. Someone needs to step in and make this company, which is vital to so many people 's lives, do their jobs with some minimum level of competency.

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 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
While viewing my credit report i Saw a Debt collector account on my credit file for Portfolio recovery, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ ROSS AND ASSOCIATES HAS USED MY PRIVATE INFORMATION TO CREATE A COMMERCIAL ACCOUNT FRAUDULENTLY LISTING MYSELF AS A DEBTOR TO THEIR ORGANIZATION. THEY HAVE INJURED MY CREDIT RATING BY PULLING MY CREDIT FILE IMPERMISSIBLY AND ARE GUILTY OF CONSUMER FRAUD AND IDENTITY THEFT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I had a repo back in 2013 and they are still reporting this on my credit. I don't think it fair due that they have the vehicle back. They threatened me about suing constantly calling and etc. I feel like this is very unprofessional and uncalled for. It has hindered me from getting me things like buying my house and other things I am trying to accomplish for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: LEXISNEXIS
State: MI

Complaint narrative:
In early XX/XX/2020, I disputed all 3 credit bureaus ( XXXX, XXXX  and XXXX  ) on my bankruptcy under public information.I disputed because the 10 years of Bankruptcy is over and I wanted it removed from my credit reports.After Dispute investigation, XXXX, XXXX, XXXX  was deleted.Since then I have applied for credit and was denied. I discovered XXXX  HAS NOT removed the Bankruptcy from my credit report.I have tried to get it removed but was unsuccessful.I do know XXXX   and XXXX  has removed it from my credit report ( s ) but cant understand why XXXX will not remove  Bankruptcy from my XXXX  report.Because they wont remove Bankruptcy after 10 years, It continues to be damaging to my credit and score.Also, how can XXXX  say in there Investigation results Dated XX/XX/2020, that disputed item is not currently reporting on the XXXX  credit file and turn around and say on XX/XX/2020, A discharged Chapter XXXX bankruptcy remains on the credit file for 10 years from the date filed.Also, when I called them they did say over the phone the credit item/tradeline has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Global Trust Management LLC
State: VA

Complaint narrative:
I had a call from XXXX, from global trust management. From the start of the call she threatened me and told me that I was intentionally committing fraud and I was purposely not paying. She didnt verify me at all, so I dont even know if this is a legitimate company. Once I challenged her on her threatening behavior she transferred me to her manager so I can explain to him why Im purposely committing fraud. The manager,  XXXX XXXX, was nice at first, but when I asked for him to call back after work hours, he also became aggressive and harassing. I felt very threatened by both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Was XXXX with an extremely XXXX XXXX XXXX XXXX XXXX in 2012. My XXXX XXXX tore at my XXXX. I filed for my loans to be forgiven. Sent in all my paperwork. And was denied because they said I didnt have enough time being XXXX. 
I had 2-2.5 years of back pay, and a letter that stated another 2.5 years on XXXX for a total of 5 years. The loans should have been dissolved but I again was denied. 
I have had multiplayers forbearances because thats what was offered, but never trying to work with me. I only make XXXX a month and have XXXX children. And this ONE thing, student loans, are killing my livelihood, I cant use my degree because Im XXXX, and you guys want a magical XXXX from thin air, meanwhile are hurting my family because I am on automatic decline due to this issue! I would like some help please, no I NEED some help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an account with American Express and was not given enough time to dispute the derogatory account. Within 2 weeks I was told that my account was going to collections and this affected me negatively for a number of years.

One of the collectors called me and told me that I was going to be able to re open the account and bring my account back to good standing. After taking this offer into consideration, later when I called I was told there was no such deal. I was then asked to pay a portion of the amount and that they would not report to the credit agency as a settlement but it was, which that was not the agreement. 

I then tried to contact the company to find a better resolve and was told there was nothing that could be done on their behalf.

Company response to consumer: Closed with explanation