vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. XXXX XXXX, and Equifax have reported an inquiry on my credit report about an alleged attempt from me to request credit from the following creditors on the respective dates listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am having trouble with Wells Fargo. In XX/XX/XXXX I went into a Covid -19 program with WF. I was in the program for 3 months. My hours were cut at my job. I resumed payment in XX/XX/XXXX. I made payments, but was contacted by WF customer service rep in XX/XX/XXXX. She told me that I was not suppose to just restart payments without reaching out to them first. She them said in order to update my account and move the payments to the back of my mortgage so I could pay it later, she this is called a loan modification. She kept saying that I had been in the program for 6 months, I had not. This is information she should have had. She then told me that in order for the loan modification to be done I would need to stop making payments. I did not know that I should not stop making payments. I do now and I also know she should have not told me that. I later find out that they had sold my loan do XXXXXXXX XXXX. The loan was sold as a direct mishandling of my account with WF. They made it look like I was delinquent with paying my loan when I was doing what I was told. XXXXXXXX XXXX received the loan as delinquent and are threatening foreclosure on my home. They says I owe over XXXX dollars. It looks like I missed multiple payments, but hey do not mention the Covid -19 program at all, this was suppose to be corrected with the Loan modification done with Wells Fargo. I have spoke with Wells Fargo and XXXXXXXX XXXX multiple times. XXXXXXXX XXXX says they NEVER received the loan modification information. I made Wells Fargo aware of this they say that they sent it, obviously they did not. I have asked for a copy of the completed Loan modification multiple times but I have not gotten it. How is Wells Fargo able to get away with this?? They caused the problem and refuse to fix it!! I am stressed out, anxious, afraid and depressed over this whole ordeal. I should not be going through this. I did the right thing Wells Fargo made this huge mess and I am the one suffering. I need help with this right away. I am fearful that I will lose my home. I was suppose to start new payments in XX/XX/XXXX according to the loan modification. I have been making the payments. I have been told that until the account is updated to reflect the loan modification the money I pay each month goes towards the outstanding balance.

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 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Debt was paid XX/XX/2021 and creditor agreed to remove debt from my report but have since denied they made that agreement and refuses to remove paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed an error that was placed on my credit file incorrectly. I provided the document and had they did the investigation correctly it would have shown removed from the third parties they obtain their info from and it wasn't not done.

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 2021-06-26 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
THE INFORMATION ON MY CREDIT REPORTS IS FRAUDULENT AND AFTER DOING MY RESEARCH I FOUND DOES NOT COMPLY WITH THE FCRA MANDATES ON MULTIPLE VIOLATIONS THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INACCURATE INFORMATION.- ERRORS THAT INCLUDE INCORRECT ACTIVITY DATES, ACCOUNT STATUS, DATE OF LAST ACTIVITY, DATE VERIFIED, DATE OPENED THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INCOMPLETE INFORMATION. FIELDS THAT ARE BLANK, MISSPELLED NAMES, THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT UNVERIFIABLE INFORMATION. - NO BILL OF SALE WITH AN ACCOUNT NUMBER, NO CONTRACTS WITH MY SIGNATURE, IP ADDRESS, ETC FOR ALL OF THE REASONS STATED ABOVE THEY MUST CEASE AND DESIST REPORTING ALL ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
I have a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and XXXX and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today, I used XXXX to view my three reports online. The first one, XXXX, went fine, and I viewed and saved my report with no problems. When I tried Equifax, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX had no problem. When I tried XXXX, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what XXXX shared with the world, and the same with Equifax? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with Equifax and XXXX in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on Equifax and XXXX and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: FL

Complaint narrative:
I have a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and lo and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: OH

Complaint narrative:
I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Made account and now can't activate card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Military star card has violated my consumer rights and damaged my consumer report rating and as a consumer/natural person I have recently learned my rights under title 15 and would like the account removed pursuant to 15 usc 1681c ( a ) ( 4 ) being thats it is a charge off and military star took a portion of my 2020 tax return and didnt notify me they would. I believe that action was illegal and unethical to take money entitled to me and my family and I would likely have the funds returned to me and the tradeline removed from my consumer report. Military star card has violated my rights by sending me deceptive forms leading me to believe that i owed an alleged debt that they never once verified. The account cant be verified because I am the original creditor according to title 15 an I do not validate this debt. This account has also been a deciding factor is the cancellation of my security clearance and stopped me from gettin a new security clearance with my job XXXX XXXX which has stopped my career advancement.

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 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2019 Wells Fargo wouldn't finance a loan unless I purchased a {$2400.00} XXXX to protect car. Thus increasing price of loan and so they could charge higher interest.

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 2021-06-26 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
THE INFORMATION ON MY CREDIT REPORTS IS FRAUDULENT AND AFTER DOING MY RESEARCH I FOUND DOES NOT COMPLY WITH THE FCRA MANDATES ON MULTIPLE VIOLATIONS THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INACCURATE INFORMATION.- ERRORS THAT INCLUDE INCORRECT ACTIVITY DATES, ACCOUNT STATUS, DATE OF LAST ACTIVITY, DATE VERIFIED, DATE OPENED THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INCOMPLETE INFORMATION. FIELDS THAT ARE BLANK, MISSPELLED NAMES, THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT UNVERIFIABLE INFORMATION. - NO BILL OF SALE WITH AN ACCOUNT NUMBER, NO CONTRACTS WITH MY SIGNATURE, IP ADDRESS, ETC FOR ALL OF THE REASONS STATED ABOVE THEY MUST CEASE AND DESIST REPORTING ALL ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My complaint is against Fedloan Servicing, the company who has managed my student loans for over 20 years. I believe that I was eligible for the TEPSLF program yet denied repeatedly. I have been a full time XXXX XXXX XXXX for 22 years, and my student loans have never been delinquent. 

This is my second complaint regarding this matter. Fedloan Servicing responded after my first complaint, but has once again changed the requirements to qualify for the TEPSLF program. In addition to the following timeline, I have included emails as evidence of my claims. 

XX/XX/XXXX - I applied for PSLF XX/XX/XXXX - Fedloan Servicing notified me that I did not qualify for PSLF XX/XX/XXXX - I applied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied my application stating that I did not apply for PSLF ( not true ) XXXX XXXX - I resubmitted PSLF application XX/XX/XXXX - Denied again for PSLF ; Reapplied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied TEPSLF, stating that I did not have all 12 qualifying payments ( I think I was 2 short ) XX/XX/XXXX - Spoke to Fedloan representative who told me I should now DEFINITELY qualify for TEPSLF ; I applied for TEPSLF XX/XX/XXXX - I received an email from Fedloan Servicing stating that I did not qualify for TEPSLF due to not having 120 qualifying payments ( a major change from 12 qualifying payments ) XXXX XXXX - Submitted a complaint to CFPB ( # XXXX ), because Fedloans changed the qualifying terms. 

XXXX XXXX - Fedloan representative claimed they did not change the term of the loan, and that I did not qualify for other reasons they could not explain. This information was not consistent with the email they sent. I sent another request for TEPSLF XX/XX/XXXX - I received an email that once again I did not qualify for TEPSLF. This time, they went back to stating only 12 qualifying payments were needed, but they claimed my payments were not enough. The email states that my payments needed to be at least {$620.00}. I had been paying {$760.00} every month since XX/XX/XXXX. 

XX/XX/XXXX - I spoke with a supervisor at Fedloan Servicing regarding my qualifying payments and why I did not qualify for TEPSLF. She said 2 of my loans still did not qualify ( this made no sense to me ), but she assured me that I would qualify in XX/XX/XXXX. 

XX/XX/XXXX - Prepared to resubmit my request for TEPSLF but discovered Fedloans had once again changed the requirements from 12 to 120 qualifying payments. 

This process has been emotionally draining, time consuming, and upsetting. I have complied with Fedloan Serving and met their original requirements of the TEPSLF program only to be repeatedly denied. I believe this company is committing fraud and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, I used XXXX to view my three reports online. The first one, XXXX went fine, and I viewed and saved my report with no problems. When I tried XXXX, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX  had no problem. When I tried Experian, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what Experian shared with the world, and the same with XXXX? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with XXXX and Experian in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on XXXX and Experian and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
2018 opened my auto lease account with Chysler capital, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. Chysler Capital did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I attempted to use my USAA debit card, which has all of my money on it, to get gas. The card was declined. When I opened a USAA app, it showed that there is no card linked to account. When I called the bank, they stated that USAA no longer wishes to do business with you. When I asked for the reason, I was simply told it was management decision. I have approximately {$6000.00} in deposits next week from the Veterans Affairs ( protected veteran ) and paycheck. I have to make rental, car and insurance payments on the XXXX of XXXX. Was told by USAA that my account is due to be closed on the XXXX of XXXX and then I will be mailed a check with my funds, which should arrive in the middle of XXXX. Until then I will be without any money. All the money for my VA XXXX and education will be rejected and sent back to the VA, which will take unknown amount of time to be deposited into another account. I never received any notification of the account closing, otherwise I would not hold my money in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Unable to log into my account and verify. My account is XXXX I have accounts with all other credit bureaus, this is the only one giving me issues. 
Receive error : We are temporarily unable to complete this request. 
Please try again later.

Company response to consumer: Closed with explanation