vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: IL

Complaint narrative:
Ive sent multiple letters to the company 's EXPERIAN, XXXX, XXXX  Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!

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 2020-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX Please process our following requests : 1 ) Specialized Loan Servicing to correct outstanding issues relating to misapplied monthly payments ( from XX/XX/XXXX to XX/XX/XXXX ) during loan transfer with past due balance of XXXX from XXXX XXXX XXXX 2 ) Correct misapplied payments of current payments after loan transfer 3 ) Remove all late fees relating to misapplied payments 4 ) Remove all late payments on our credit reports with all credit agencies from XXXX to XXXX 5 ) Stop excessive collection calls and mailing invalid delinquent notices 6 )  Correct Year to Date ( YTD ) XXXX and XXXX interest and principal paid for this account This is our 6th online complaint request to correct the misapplied payments relating to the above loan account transferred from XXXX XXXX XXXX, with an incorrect past due balance of XXXX. This debt is not valid. Monthly payments per loan were supposed to be applied as part principal and part interest. XXXX  XXXX XXXX made some corrections as per their response letter dated XXXX and stated a few outstanding corrections that Specialized Loan Servicing must do. No payments have been missed before or after loan transfer. Our credit reports with the credit agencies have been corrected by XXXX XXXX XXXX and showed that all payments were current and made on time from XX/XX/XXXX to XX/XX/XXXX. The following payments related to this misapplication were : XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$220.00} applied as part principal and part interest XX/XX/XXXX {$240.00} applied as interest only I have attached the following supporting documentation relating to this issue : XXXX  XXXX XXXX response letter dated XXXX showing corrections made to loan transcript and credit reporting agencies XXXX spreadsheet showing the XXXX XXXX XXXX corrections made and YTD interest and principal paid Bank statements payment activity showing all payments made from XXXX to XXXX. No payments were missed. 
XXXX report showing XXXX  XXXX XXXX and Specialized Loan Servicing showing payment history Sample of collection calls received from Specialized Loan Servicing Most recent delinquent notices received by mail dated XXXX List of previous online complaints filed to resolve this past due issue. 

Please make the necessary corrections to our account and process our list of requests mentioned above. Thank you.

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 2020-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I close this account back in XXXX and paid it off in full and the credit card company is still reporting it as 30 days on my credit report. All three of my reports show different dates on one its showing 30 days late with a XXXX   balance three months after it was closed. I've had numerous problems in the past with this company processing my payments 11 days after I had mailed it in before the due date. Which I've had to call them on twice to get the XXXX dollars late fee removed. Now I've disputed this twice and one was removed only for them to put it right back but on a different month after the account was closed.

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 2020-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I highly dispute being falsely accused of committing a speed violation law in the District of Columbia on XX/XX/2020 by XXXX/XXXX. I am infuriated and perplexed by Capital One N.A. Bank 's inability to proactively intervene to prevent fraud activity such as this merchant to still frivolously process an unauthorized charge to my account in the amount of {$130.00} mid-night of XX/XX/2020. 

As per the instructions, I wrote to dispute this wrongfully violation charge. This notice of violation is not hereby constitutes I was found speeding. I suggest this violation be removed and I reclaim my name after all I did not commit a speeding violation. Clearly this is a mistake. This suggestion comes out of respect for tax payers, and my request that their hard earned money not be wasted in such proceedings. As there is no evidence of my involvement with this alleged violation, as well as the fact that I am not granted my 6th amendment right to face my 'accuser ' ; I see no way the government could prove my guilt beyond a reasonable doubt. I also find no legal requirement for me to implicate someone else in this process, as it is the government 's responsibility to prove a person 's guilt. It is also my 5th amendment right to remain silent on the matter. 
If it is the government 's decision to move forward in this matter, I would request copies of any evidence the prosecution may have of my involvement in the " offense '' ; as well as, all alleged maintenance records for the allege camera ( s ) violation involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TN

Complaint narrative:
I have called Equifax Several Times about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive sent multiple letters to the company 's XXXX, XXXX, Transunion Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXX.They have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my Experian Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.

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 2020-07-08 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: TN

Complaint narrative:
Open Date XX/XX/2018 Balace {$89.00} XXXX XXXX   XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I tried to link my PNC account with another bank account online. But. PNC does not allow me to do so even though I have been verified as the owner of this PNC account many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXXThey have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.

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 2020-07-08 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: IL

Complaint narrative:
Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}

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 2020-07-08 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: IL

Complaint narrative:
Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
Withholding a transfer to my account. Verified and then they said I need to send a photo of social security card paypal XXXX. 
Now my account is locked

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 2020-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unemployment said they were back dating my claim to XX/XX/2020 They have not done so. 
They said Bank of America ed was gunna deposit XXXX into my account both times everi emptied my account They have yet to fix the situation and have to keep sending me new cards making me behind on bills. 
Unemployment also said I was getting XXXX a week but now its XXXX. No notice nothing cant get ahold of anyone its just rough already. I need help

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 2020-07-08 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: LA

Complaint narrative:
Filed dispute with all three credit bureaus company keeps adding to 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 2020-07-08 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: LA

Complaint narrative:
Filed dispute with all three credit bureaus company keeps adding to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: LA

Complaint narrative:
Filed dispute with all three credit bureaus company keeps adding to 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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXX.They have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same. 


I am still having issues in receiving my credit report due to the ( Multiple Matches Found check demographics Information. 

Their is a lot of errors on my credit report that needs to be remove ( XXXX is not my last name, my social security number does not have XXXX four the last four digits, wrong phone number and still have not seen the correct update. I do not have a spouse and my address need to update right on my credit report. 

I appreciate your services and hard work that you do for the consumer. Have a great day : (?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armed Forces Loans of Nevada Inc.
State: LA

Complaint narrative:
AFL failed to give me proper validation of this debt. 

I mailed AFL a debt validation request on XX/XX/20 certified mail # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by Discover Financial Services was opened last XX/XX/2019 without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by Discover on XXXX.I disputed the account last XXXX XXXX. Per Discover report to XXXX the account was accurate.However I never applied nor authorized anybody to open an account with Discover. I do not have or have had any account with Discover.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.

Company response to consumer: Closed with non-monetary relief