vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
A check was deposited in my account without my knowledge. My account now is in the negative because of the check and I did not authorize any of this.

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 2022-10-04 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: CA

Complaint narrative:
Hello I have been disputing these accounts with this company for over 2 years now and they refuse to remove the accounts that I already verified where not me. I submitted a Identity affidavit when I got my Purse stolen and cards where opened in my name. I have address that have ton date not been updated. this has caused so much hardship on me and my family. this is my 6 or 7th letter disputing the same accounts over and over again. I am now seeking a lawyer for the damages this has all caused me, Its unfair, you guys re not following the law. I have yet to receive 1 single contact barring my signature for any of the accounts that you refuse to remove. I have kept a close record of all the certified mail I have sent and I plan on escalating the situation within the next 30 days if you do not correct this issue immediately

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX of XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Equifax allowed this information to be put on my credit without any documentation and refuses to correct the information being that is it false and XXXX has no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
I went on an approved CARES ACT mortgage forbearance from XX/XX/XXXX until XX/XX/XXXX. I resumed making my regular mortgage payments on XX/XX/XXXX. I have been making my mortgage payments on time each month ever since. I applied for a loan modification and was approved to begin making my modified payments on XX/XX/XXXX. After XXXX modified payments I was supposed to have my loan modified no later than XX/XX/XXXX. I made all XXXX loan modified payments on time and still have not received my final loan modification documents. 

As of XX/XX/XXXX, the mortgage company is threatening to foreclose on my house by XX/XX/XXXX, if I do not make the lump sum payment of {$28000.00}. I have called multiple times and on each call, they act like they have no record of my loan modification. I do have a hard copy and pdf version of the loan modification that was offered and accepted by the loan servicer. 

I am worried that they will attempt to foreclose my property illegally. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
XXXX XXXX XXXX Defense fin & acct svc In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged XXXX to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022 at XXXX pm. I went to try to deposit {$620.00} at Navy Federal Credit Union in XXXX XXXX Georgia. I was trying to deposit it on a XXXX XXXX. Navy Federal Credit Union ATM went along with the procedure and took my money at the end of the transaction it said couldn't be deposit returning your funds but the funds was never refunded the machine malfunction and it kept my funds. I contact XXXX XXXX about 3 to 4 times they said that was nothing they could do got to contact XXXX. XXXX telling me to contact me with XXXX so basically I'm stuck without my funds. XXXX XXXX is aware of the problem but won't contact me back and I'm not a member of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: IN

Complaint narrative:
I have tried contacting LVNV about a debt thats on my credit report who gives me the run around and tells me to contact another company called resurgent who then tells me to contact a business called XXXX and XXXX who will not give me any info on the debt they are claiming I owe. I keep getting a run around with no information on the debt. I have told all 3 companies that I want an original copy of the contract, with my signature, they are claiming I owe a debt to and LVNV says I need to call resurgent who tells me to call XXXX and XXXX. But if LVNV is reporting the debt to the credit bureaus then they need so provide the originally signed documents or have the collection removed from all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX & XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-04 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:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

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 2022-10-04 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:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX of 2022 I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Transunion has no documentation on this matter so they should of never allowed false information to be published to my credit record

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX and Equifax REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH EQUIFAX AND XXXX AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! EQUIFAX AND XXXX ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! EQUIFAX AND XXXX WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. XXXX REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX, AND THE XXXX ATTORNEY GENERALS OFFICE! REMOVE XXXX XXXX, A XXXX XXXX BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX XXXX  AND FOLLOW THE LAW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally/Auto has unfairly and inaccurately reported information on the Credit report of XXXX XXXX and I XXXX XXXX XXXX In CFPB case # XXXX, XXXX a representative from Ally Auto provided an inaccurate detailing of the payment history on an Auto Loan. Borrower and I Co-borrower entered into a new agreement called the " Catch-Up '' with Ally Auto. After suspending payments during XXXX, Ally Auto started payments back up again. During the suspension of payments because of XXXX Ally Auto reported past due payments to the credit bureaus. That is an ADVERSE reaction being that payments were suspended. The entire time the payments were suspended Ally decided to take advantage of us as borrowers and I'm sure many others by charging excessive finances charges. They later decided to hit us with a $ XXXX bill. They have continued to be thugs in inaccurate reporting on our credit reports. Literally reporting lies. We entered into a new agreement and new payment terms. Terms have been fulfilled but the reporting to XXXX, XXXX, and XXXX are inaccurate lies. According to FCRA, a creditor can not report payments past due while account is adversely being paid on. Creditor must update and/or report accurate information. You can not suspend payments and then report past due. You can not enter into a payment agreement and still report past due all the while account is being paid on at a higher rate than first agreeement. Only one issue was corrected but not the entire issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit report is showing a XXXX XXXX XXXX with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX 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 non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
The credit report is showing a Discover Personal Loan with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CO

Complaint narrative:
Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX and the date of inquiry XX/XX/XXXX. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, INFORMATION XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX XXXX, the inquiry date was XXXX and CITIBANK NAXXXX, XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and Citibank are unrecognized credit companies to access my credit report for this reason. A recent company that goes by CITIBANK NAXXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is 9704248812.THe dispute confirmation number provided by XXXX is XXXX For all the hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is 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 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been getting harrased by Comenity bank because they alleged I havent made my payments. They have charged me multiple late fees and have been charging me fees for not paying my credit card. Which is absolutely false They have not been posting my payments for the past XXXX payments I have made of $ XXXX, $ XXXX, $ XXXX, $ XXXX they have not applied those payments at all to my credit card and due to that I have been charged late fees and keep getting call to make a payment. I called and they said they can see my payments and will make a note to fix it however they have not fix it and its affecting me because I have to keep making payments and I keep getting call to pay when I already did. I have called multiple times and ask to speak to a supervisor they do not transfer me, I'm very concern because this can affect my XXXX XXXX I have statements from my bank that show that those amounts have been withdrawal by them. I'm really scared I really need help its really stressful to go through this when I'm making my payment but I keep getting call that I dont and that there is multiple late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I have tried multiple times to straighten out situation with XXXX XXXX XXXX and XXXX but investigation results continue to come back in accurate. Account is stating account status Closed with {$0.00} balance yet reporting payment status charge off with both XXXX XXXX and XXXX while XXXX reports account status indeterminate with perfect payment history all the way to XX/XX/2022 yet missing data on date of last payment this is not possible. Reporting inaccurate date last report it and date last active. there is no way account can be closed with no remaining balance reporting perfect payment history but yet reporting charge off. I do not agree with the results to this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: KY

Complaint narrative:
I am writing to state how horrid the communication has been on student debt relief and how screwed over many of us are now. I graduated in 2005... I have stafford loans, the same ones my husband has who just graduated... BUT because of when I went to school - mine are apparently commercially held... something I was not even aware of until recently. When questioning studentaid.gov by phone on what I need to do- I was specifically told to hold off as XXXX XXXX XXXX is working with privately held XXXX loans on the one time loan forgiveness... well now XXXX XXXX XXXX states any loans not consolidated by XX/XX/XXXX WILL NOT be eligible. Even when I called XX/XX/XXXX- I was told- they are still looking into it but today everything states basically we are being exlcuded. The people who have been paying on loans for 15 years, never missed a payment ... literally {$25000.00} just in interest but because I graduated a few years earlier than some and XXXX took over the same loan type I have- I get nothing. I was given BAD information and now I am screwed out of {$10000.00} - and I am livid .... Something needs to be done about this as I am sure many are in my same boat and it is crazy that kids that havent even started paying towards their loans will get this help and those that have paid off huge chunks get nothing...

Company response to consumer: Closed with explanation