vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.

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 2020-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraudulent practice by Suntrust bank ( aka Truist bank ) using false numbers for the LIBOR index inflating the ARM interest rate adjustment We would appreciate your immediate help on this serious matter. 
We have recently discovered that the Suntrust bank ( aka Truist bank ) has been fraudulently using inflated variable interest rates on our mortgage loan resulting from using wrong number as the 6 month LIBOR index. Our mortgage loan is tied to the widely published 6 month LIBOR rate and expected to get adjusted every 6 months. 

Here are two examples such misdeeds ( ref Loan # XXXX ) : Suntrust ( Truist ) used : 1. A wrong XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 3.5 % current interest rate as opposed to the correct 3 % 2. Again a wrong 2. XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 4 % total interest as opposed to the correct 3.75 % I have filed several complains with detailed analysis and specific LIBOR index citations to Suntrust and the CEO, XXXX XXXX only to receive a rather generic response from a lower level employee defending their inflated rates without any direct citation for their fraudulent index number. If requested, I could send you my submitted analysis and citations. 
As a further confirmation of my LIBOR index numbers, a different bank for my another existing mortgage with almost identical terms, used the same LIBOR index as mine for the same dates. 

This is a serious fraud by Suntrust against the normally unsuspecting customers like me. This may have been going for a long time. I have not yet had a chance to inspect all periodic interest rate changes over the last 12 years or so. Other unsuspecting customers might have been affected by similar type of fraudulent practices by Suntrust. 

I would appreciate your swift remedial action to compel Suntrust to immediately rectify their misdeeds along with full recovery of our lost money with interests and appropriate punitive compensations. This has caused us significant amount of time in researching, analyzing and re-computing not to mention the mental and emotional grievances and stress we are enduring in our family. It goes without saying that they need to be held accountable for deceiving unsuspecting customers related to such common agreements. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-05-10 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I always pay my bill online with auto payment. Some how chase is showing 30days late as I paid off my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I always pay my bill online with auto payment. Some how chase is showing 30days late as I paid off my HELOC.

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 2020-05-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I always pay my bill online with auto payment. Some how XXXX is showing 30days late as I paid off my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I always pay my bill online with auto payment. Some how XXXX  is showing 30days late as I paid off my HELOC.

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 2020-05-10 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: EQUIFAX, INC.
State: ME

Complaint narrative:
Recently, I was notified that my Equifax credit score dropped by 50 points. This was completely unexpected as the only new credit activity on my account is 1. ) I paid off an auto loan and 2. ) I was recently approved for a forbearance for my student loan. 

I called Equifax on the following dates to try and speak to an Equifax representative who I hoped would be able to tell me why my score suffered such a significant decrease. I made these calls on XX/XX/XXXX, XXXX and XXXX, XXXX at varying times of the day. Every time, after waiting inordinately long times on hold, I was connected to a representative who did not speak English well enough to answer my question. The only thing I was barely able to understand is that they said I would " have to speak to a credit specialist '' outside of the company to get an answer to my question of why my Equifax score dropped. This is absolutely absurd since it is Equifax who dropped my score and it is Equifax who creates that score in the first place. Not only this, but I was one of the 143 million Americans who was part of the Equifax hack, and I have not received a dime from these people. Their lack of customer service and lack of respect for the security of Americans ' private information is criminal. Equifax should be shut down. 

In my view, what would resolve this particular issue is that I want them to explain to me why my score dropped, that's it, plain and simple. That would resolve this particular dispute. Although in no way do I waive my right to pursue litigation against Equifax and/or its successors and assigns in connection with the XXXX hack, which again, I was part of. In addition, it should be criminal that their customer service representatives barely speak English. Credit is too important to be trusted to foreign nationals who have no business having access to the private credit information of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My initial Fraud Affidavit was XX/XX/2010. Ive had two Attorneys since. FCRA multiple paid for fraud alerts. I was just prevented from opening a bank account because of bogua information that Experian refuses to remove. Wrong addresses, car loans I dont own, my actual credit cards paid in full are never on there. Worse Ive sent them evidence that cars were paid for, student loans paid off in XXXX, phones & credit cards I dont own. Yet what I do own never waa reported. I had a vacation trade on auto deduct, a XXXX XXXX collector came after me for a vacation membership paid for never used. worse all these years 10 years, they sent me a report with my name spelles wrong. no one had permissalble purpose. i never owned whats on the report. The same debt collectors never stop coming after me knowing I have ID theft/take over. i actually have every return receipt, my first attorney removed all false information. They never stoppes. My second attorney sued but that never stopped them. This became a full time job, and now it looks like I owe on the nothing that was mine. all clear id couldnt believe what they were seeing. the spelled my name wrong i follow their process, provided all proof return receipt. i cant have a bank account now. because they broke the law & medically honestly destroyed me. i physically confirmed the information is wrong by flying back Im not in companies systems so whom ever at the desk at the CRAs need to stop allowing it. i followed the law disabled & proved it year after year. Their excuse was we just report what we get, its 10 years of XXXX maybe they should secure their system & stop allowing it. ive spent so much money on companies I never gave consent to to collect info & report it. None of it is true yet they dont care even with truth. I could actually die being this sick unable to have nothing bc Im a number to them they dont care about

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 2020-05-10 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On or around XX/XX/2020 I contacted Bank of America regarding my MasterCard account and related recent 30 day late payment reported to the three credit reporting agencies ( CRA 's ). I spoke with a Customer Service agent named XXXX who was very helpful and understanding of my circumstances. I explained to her that I had been out of town tending to a family member 's affairs that had been stricken with the Coronavirus illness ; ( Return itinerary attached ). She said " she understood and that I could have, and should have been offered a payment deferment that would have prevented this matter and would assist me in having the 30 day late reporting removed from my credit report ( s ) ''. On or around the XXXX of XXXX I followed up with another call to Bank of America Customer Service once realizing that the 30 day late payment still remained on my credit report. I was then told that by another Representative ( No Name ) that I was given wrong information and the 30 day late payment would not be removed and that I could dispute the information to the three CRA 's, which I did. I asked repeatedly to be referred to a manager or supervisor or contact information to a credit report resolutions department and was told that there was no other department I could speak with regarding the matter. I have made repeated attempts to contact Bank of America asking for contact information to a Manager, Supervisor, or the mailing or email address for a department that I could reach out to. I have made every attempt as a consumer to resolve this matter. I had never previously been 30 days late in the history of my account ; I was {$80.00} dollars late on my account, however was told I needed to pay {$150.00} to bring the account current which I immediately did upon my return home from my trip ; in the interim I set up automatic payments to ensure no further mishap ; I then ultimately paid the account in full and closed 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 2020-05-10 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: SLM CORPORATION
State: MD

Complaint narrative:
I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX  and XXXX  are reporting inquiries on my file differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: DISCOVER BANK
State: WA

Complaint narrative:
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, every time I tried to pay my bill through auto-pay it would not go through. This has effected greatly as well since Ive been dealing with reoccurring health problems and I can provide medical bills to prove it. I reached out to the company more than once and theyve done nothing to resolve this issue. I even offered to pay the entire balance due in full if they could remove the 8 late payments that were brought on due to their faulty auto-pay system. I now can not get approved for an auto loan due to these marks on my credit report and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: MoneyLion Inc.
State: PA

Complaint narrative:
I currently have a credit builder plus loan with Money Lion, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and Moneylion has  automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and Moneylion had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted moneylion via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$1500.00} illegally was removed by XXXX XXXX ( XXXX ) from my account in XX/XX/XXXX at around XXXX from my Wells Fargo checking account. I was at the bank before XXXX the same day to stop the pending transaction. The banker got my information and called their Fraud department immediately. The agent in the fraud department talked to me on phone and asked couple security questions to verify my identity and told me to not worry and they will get back to me in a week or so. I received a letter on XX/XX/XXXX from Wells Fargo Claims Assistance Center ( claim # XXXX ) that the transaction was authorized or a processing error did not occur!!! 
I went back to Wells Fargo Bank and asked for more detailed information on their finding as a proof to legality of the fund transfer. The bank manager XXXX XXXX ( XXXX ) told me that they don't get any information from their claim department and should file a police report!! He told us that they will request reexamining the case again and get back to us between 48-72 Hrs. No reply back yet! 
I believe the bank has been negligent in safe guarding their customers and didn't stop the PENDING transaction from taking place in time. I need your help to pursue for me to recover my loss.

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 2020-05-10 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: Nelnet, Inc.
State: PA

Complaint narrative:
My student loan servicer is Great Lakes Borrower Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Sent a letter om XX/XX/XXXX and XX/XX/XXXX to inform XXXX that XX/XX/XXXX, XXXX, XX/XX/XXXX report as 30 to 59 days late and they failed to respond to the investigation Delete all negative errors on my credit report and the inquiries. i was DENIED a loan because of you all error. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 


Below : I sent a complaint on XX/XX/XXXX and no reply thus Delete all negative errors and inquiries. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 


XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/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 2020-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America Charged off but I never had a account with Bank of America. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016

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 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My student loan servicer is XXXX XXXX XXXX Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.

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