vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 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: GA

Complaint narrative:
Disputed erroneous incorrect bankruptcy reporting on my credit report XX/XX/XXXX. Experian replied back verified by courts or XXXX. I sent XXXX letter XX/XX/XXXX Experian replied back " unable to honor my request. '' I then send a method of verification letter XX/XX/XXXX certified tracking number XXXX which was signed for by Experian on XX/XX/XXXX at XXXX XXXX which multiple reps have stated on XX/XX/XXXX they can not see the letter or they didn't get the letter which is not true. as I have proof they have it. Experian needs to be held accountable for not properly verifying disputes according to the FCRA 611 law which entitles me to proof the debt belongs to me which Experian has failed 3 times to do so. XXXX XXXX @ XXXX I was told by rep XXXX XXXX Experian does not have to give method of verification and they were given the information by the courts. XX/XX/XXXX spoke to will @ XXXX, XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and XXXX @ XXXX who all were not able to provide an update on my dispute. My XXXX file has been suppressed since XXXX including all public records and I have a letter from the bankruptcies court stating they do not and have not furnished info to Experian. Also per XXXX @ XXXX my files is suppressed ref # XXXX # XXXX # XXXX. IF Experian can not and they have not to date properly investigate, verify and prove the record is mine, this needs to be be taken off my credit report immediately as their fradulent negligence and deception is causing me harm and reframing my character. I want the unverified incorrect erroneous bankruptcy off my credit. I have filed a complaint to the XXXX on XXXX ref # XXXX which exerian has yet to respond to and also a complaint to the attorney general office here in GA.

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 2020-11-14 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: AL

Complaint narrative:
I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.

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 2020-11-14 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: AL

Complaint narrative:
I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.

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 2020-11-14 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: NY

Complaint narrative:
There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation

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 2020-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosen Legal, LLC
State: MA

Complaint narrative:
In an effort to clear up info related to complaint : XXXX, I wish to be clear that out issue is with subprime lender XXXX XXXX  and not XXXX XXXX - which is whom sought the loan for us. To recap, my wife XXXX XXXX XXXX XXXX XXXX and I are being sued for approximately {$50.00} on a predatory loan from the summer of XXXX. We are both of working class means and a judgement on their behalf would be financially devastating and would likely end with bankruptcy. 

Another point to consider is that we were offered and accepted, a XXXX for XXXX program in late XXXX - early XXXX, which we completed under the agreement that we would vacate the residence with the understanding that we would not longer be responsible for any related forthcoming debt ( on the property / mortgage ). 

Furthermore, the name of the bank and the amount keeps changing XXXX from XXXX XXXX XXXX  XXXX was one of the major drivers of the collateralized debt obligation ( CDO ) market during the housing credit bubble from XXXX to XXXX, creating about {$32.00} XXXX worth. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report on XXXX XXXX and the Financial Crisis analyzed XXXX XXXX  as a case study of investment banking involvement in the mortgage bubble, CDO market, credit crunch, and recession. It concluded that even as the market was collapsing in XXXX, and its top global CDO trader was deriding the CDO market and betting against some of the mortgage bonds in its CDOs, XXXX XXXX  continued to churn out bad CDO products to investors. 

Any assistance and/or advice would be greatly appreciated. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
SHOP YOUR WAY CITI MASTERCARD. 

I was charged 2 fraudulent transactions from gas station on XX/XX/2020 ref # XXXX {$180.00} XXXX XXXX XXXX XXXX ref # XXXX {$280.00} XXXX XXXX XXXX XXXX disputed the charges right away,,, now is over 3 months and credit card company still denying to issue my credit.

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 2020-11-14 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: TN

Complaint narrative:
On XX/XX/XXXX I received verification from Equifax that an account had been verified by XXXX ( see attached screen shot from Equifax ). I am including a letter from XXXX that proves NO verification came from them. This account was NEVER VERIFIED OR INVESTIGATED IN ANY WAY. EQUIFAX LIED AND FRAUDULENTLY STATED THIS ACCOUNG WAS VERIFIED WHEN IT WAS NOT. 

This is just one example of the ongoing lies from Equifax. This account is unverified and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: SC

Complaint narrative:
Netspend- the waiting period of receiving unemployment from Ohio was 7 weeks, at that time was around XXXX a week, well after I got the payment a few weeks later had a new account opened and money transferred to it ( Netspend allaccess ) about {$5000.00} and Ive told netspend numerous of times and made FTC complaint Netspend all access- during that time I had my son and my girlfriend friend with me, so went and stayed at hotels some on the beach and finer hotels near XXXX started to notice numerous of room charges at the same time, well when I asked the hotels, XXXX, XXXX, they said they didnt have anything in the computer for it, well it was out of bank and usually ended up with hotel and me getting heated, so I just let the bank handled it, XXXX- I have numerous of people paid on accounts that were closed down or didnt show me payments t XXXX XXXX have had cards closed down new ones sent without my permission, money gone, its I cant win for loosing XXXX XXXX- honestly have gave up if its small payments I just think in my head well there leaving me something XXXX XXXX- loose emails, payments for thjngs like XXXX XXXX other apps that I dont find out for months later that I have honestly never used So now I just follow the money and see if I cant catch someone, local cops havent helped, fbi, ice3, FTC, I know what it looks like but I loose access to my emails, regain them than loose again, I feel like I really dont talk to my phone company, my bill went from XXXX to averaging about XXXX. 
Im about at my Witts end, I just honestly see no end

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 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My mortgage payments had been taken out of my bank account monthly by Huntington Bank since I got the loan. My last payment was supposed to be XX/XX/20. I got a statement ( as I had every month ) stating that {$1000.00} would be taken out. I got another statement on XX/XX/20 ( dated XX/XX/20 ) that my last payment was actually {$870.00} including interest and a recording fee. However, since it was due XXXX, interest would be charged per day. When I called them, they said to sign and fax the form that allows it to be taken out of escrow, which I did that day. I wrote on the bill that I should not have to pay additional interest since they wrote the letter the day before the due date, and I didn't get it until XXXX. I got another bill on XX/XX/20. Talked to XXXX who said the payment will go through with no late fee and he will request that it get backdated to XX/XX/20. Then I got another bill dated XX/XX/20 with a late fee of {$41.00} and additional interest added. Now the bill is {$910.00}. I called again and was transferred multiple times with everyone saying that they don't handle that in their department, my payments had never been automatically withdrawn, or they don't see any interest charges. One person, XXXX, stated that I will get a refund from the escrow. However, they still took out {$910.00} from my escrow which was not the correct amount. XXXX stated that " I didn't pay the {$910.00} so what was I complaining about? '' Seriously, this woman works in the banking industry? I paid the escrow! 

All documents I received are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2020 I disputed two accounts from LVNV Funding that are listed on my XX/XX/XXXX and XX/XX/XXXX credit reports. I have yet to receive a response from this company. Per FCRA, LVNV Funding ( aka Resurgent ) has 30 days to investigate the item, or they must delete it from the credit report. Upon pulling my credit report today, the items are still in dispute status, but I have not received any correspondence from this company. Furthermore, on my credit report dated XX/XX/20 the accounts were reported as " closed '', but on my most recent report it was marked as " open '', yet still in dispute status. I have a attached a copy of the line items as listed on my credit report as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: NJ

Complaint narrative:
these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.

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 2020-11-14 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
I had a baby but I was covered by XX/XX/XXXX XXXX  my billing ID # was XXXX at the time that should have covered all of my accounts with this company before it even got to a collection agency. They keep trying to say I owe this debt in which I do not. They haven't even attempted to bill XXXX.I moved from Nevada due to my husband suffering a XXXX but prior to the move. My XXXX was approved it just needs to be rebilled the name of the company is AARGON AGNCY XXXX XXXX I have about 4 accounts with them but they are refusing to help me or remove these accounts and they are affecting my credit.

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 2020-11-14 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:
these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.

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 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My capitol one card was debited on XX/XX/XXXX for the amount of XXXX, onced debited the amount of XXXX was removed from my account available balance. Once the transaction finally settled, it settled for XXXX and i was suppose to receive the remaining amount of XXXX which i have not received to this day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: NY

Complaint narrative:
There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation

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 2020-11-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
After reviewing my XXXX & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : COMENITYCB/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And XXXX  XXXX XXXX XXXX Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/2019 approximately XXXX XXXX  I went into the dealership to assist a family member with co-signing for an auto loan. both myself and my relative had given them proof of income, driver license and other personal information. My relative didn't qualify to be on the loan due to credit challenges. The salesman then stated that I would be the sole owner and there was contract drafted I signed and we left the dealership with documents and the vehicle. On Monday, XX/XX/2019 the same salesman called me and stated that the deal didn't go through as expected and we would have to pay {$1000.00}. I was on the road returning home ( I live out of state ). I informed the salesman that I was no longer in town, my relative would have to return the vehicle to the dealership. I also asked why was a contract signed if we didn't have an approval? He then stated because the bank give the dealership a greenlight without a complete approval. 

More Importantly, sometime in XXXX of XX/XX/2019I receive an acceptance letter from Nissan Motor Corporation detailing the monthly amount and when the next payment would be due. I called the dealership to find out what was going on and no one returned my call. XXXX I then drove back out of state to talk to speak with the general manager and explained that somehow the salesman/dealership allowed my relative to sign another contract without my presence/knowledge. XX/XX/2019 The GM informed me that he will correct the situation and have the vehicle taken out of my name and into my relatives name. I never heard back from him, issue was never resolved and I called several times. I also called Nissan customer service number for them to mail a copy of the contract. The monthly amount is {$500.00} for 72 months. 

I have many dates/times of outgoing calls to both XXXX dealership/Nissan finance. 
I have also driven back and forth since XXXX until now ... I don't know what to do at this point, I'm exhausted. 
I called both the dealership and Nissan motor/finance numerous times spoken with several different representatives letting them know of the situation concerning this unauthorized sell, they gave me Nissan Motor Corporation Consumer number. I sent the consumer dept. a letter. No one has contacted me as of yet. this has been so stressful. May someone please give me some advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: NY

Complaint narrative:
There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation

Company response to consumer: Closed with explanation