vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: Kriya Capital, LLC
State: IA

Complaint narrative:
XXXX  reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to XXXX since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with pentagon and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police report

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 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Got served paperwork to appear on court for a debt they say I owe from midland credit management on the XX/XX/XXXX. The paperwork says it's from a XXXX XXXX credit card, and I paid it off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: NY

Complaint narrative:
I am filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with XXXX and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police report

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 2021-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Received letter dated XX/XX/2021 Stating that I owe a debt of {$980.00} to a credit agency. I do not have a contractional agreement to pay Dynamic Recovery Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I open my account with a financial institution be called Navy many of the banking federal laws are not being followed to my account my accounts are not in uniform code my balances don't have reference numbers they are not provided accurate information in regards to my transactions on my account I have put in several complaints in regards to the laws not being followed I have tried to resolve the issue several times. I have contact Navy Federal over 50 times in the past several months in regards to inaccurate balances transactions and my account not being in uniform code my statements are fraudulent and they have been altered. They need to be immediately investigated I have proof of the statements that have been altered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. Trustmark shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. Trustmark says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in 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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
have tried contacting all 3 credit bureaus as they are reporting my XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of XXXX XXXX. This statement is on the court letter, but XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( XXXX, XXXX and Experian ) and still left incorrect information. Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change. What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. I have all original letters if needed.

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 2021-03-28 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: CA

Complaint narrative:
I've disputed a collection account by XXXX several times and they keep saying it's accurate. I do not owe money to any collection agencies.

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 2021-03-28 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: MS

Complaint narrative:
I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. XXXX shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. XXXX says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have sent a certified letter to JPMCB XX/XX/XXXX with no response, informing their company I did not authorize anyone of the company to review my credit report. I rereviewed my most recent credit report and there is still a Hard Inquiry that appears from XX/XX/XXXX. I did not apply for a credit card with this company, in fact on that date I was on vacation for my birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
My secondary loan is in default, we were struggling to pay due to loss of job and income, now we are back on our feet and the company that bought the loan has ballooned it to double the amount it was XXXX not it is XXXX they have filed a foreclosure complaint against us and we are working to resolve and they will not budge, I have paid a lawyer to help mediate but they are saying we owe the whole amount and are being very persistent. We have XXXX children and I do not want to lose my home, I am looking for a reasonable solution. the last company that bought this account was willing to settle for a much lower amount and now that the new company bought the loan they will not accept the lower amount because my house has equity. Is there help or a program during this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous disputer letters to XXXX, TransUnion, and XXXX to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX. XXXX, TX XXXX My DOB : XX/XX/XXXX Last 4:XXXX XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH

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 2021-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
After moving to Oklahoma I received a tax notice from the State of Kentucky stating I received {$1100.00} in unemployment wages due to COVID-19. I was unable to find my Bank of America prepaid debit card after moving so on XX/XX/2021, I began attempting to contact Bank of America in attempt to access the funds on the card. I requested they transfer the funds to my Bank of America credit card card and the Customer Service Representative said she would issue a new card and closed the account of the debit card I could not find. After closing the account, she was unable to process a new card and stated if she had not already closed the other account, she could have transferred to balance to my credit card after all. She advised me the quickest way for me to secure the funds now was to arrange a XXXX XXXX transfer at no cost to me. So, she transferred to me another department for assistance where I remained on hold for an excessively long time and eventually hung up. After multiple calls and repeatedly being placed on hold, I was finally able to speak with someone who arranged a XXXX XXXX transfer and told me within three business days someone would call me with a confirmation number. 

Not hearing from anyone, I finally called Bank of America on XX/XX/2021 and again went through the eternal hold pattern. After hanging up and calling back, I finally got ahold of a woman that informed me the transfer was made six days ago and I only had one more week to pick up the funds. After 310 minutes ( see call details below ) on the phone dealing with Bank of America, I thought it was resolved. Unfortunately, when I picked up the wire transfer, it was for only {$1000.00} ; {$100.00} short. 

I have already spent five hours and 17 minutes trying to receive the funds they could have simply transferred to my credit card ( free of charges ) account only to be shorted on the balance due to me. Subsequently, I am requesting your assistance in receiving the remaining balance of {$100.00}, plus {$270.00} ( my hourly pay rate of XXXX  ) compensation for the more than five hours trying to resolve their XXXX XXXX and not processing the entire amount as stated. Punitive damages should be included in the settlement as it is Bank of America 's dereliction duty to ensure their customers receive customer service in a reasonable timeframe and failing to have properly trained representatives. It is pure and intentional customer neglect. 

Date/Time Contact Minutes 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 14 Total time on phone with Bank of America ( not including time for this complaint ) : 310 minutes.

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 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation
State: CA

Complaint narrative:
I entered the " Fast Track '' re-finance program with Lenox Financial, DBA Weslend Financial, XXXX XXXX. I was strung along for four months when they finally ordered the home appraisal when was to be reimbursed to be at the end of the process. I paid for the appraisal in XXXX ... in XXXX they were no closer to finalizing the re-fi and still could not give me a date for closer. I spoke innumerous times with XXXX XXXX my mortgage advisor who was also very frustrated and told me he would be leaving the company. He offered me the name of another lender and told me he would reimburse me for the appraisal fee of {$520.00}. I also spoke with the owner XXXX XXXX who too was apologetic ... he said they just had too much business. This certain looked like a bait and switch. I qualified for their " Fast Track '' program based on my excellent credit, income etc. I did everything timely. Just because they have too much business doesn't mean they do not have to live up to their part of the contract ... '' Fast Track '' re-fi! I feel five months with still no commitment to close is long enough for me to wait. I was very patient but do not feel that I should be penalized financially because of there failure to perform. Also I missed out on the better rates by wasting 6 months of my time with this lender. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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:
On XX/XX/2017, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account 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 2021-03-28 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: MoneyLion Inc.
State: CA

Complaint narrative:
I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. AMD while these things are technically true, it was via fraud on the company 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WESTERN ALLIANCE BANCORPORATION
State: NV

Complaint narrative:
Hello, I'm XXXX XXXX i have been filling for my Benefit, but I've never receieved my CARD to be able to access my Funds, i've placed several calls through for months now it's been same .I 'm way to old for this stress please help resolve by shipping my card through o address.

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 2021-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Mortgage company requested my Credit report to many times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: CA

Complaint narrative:
On XX/XX/2017, Equifax added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my right as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TX

Complaint narrative:
The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation