vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
XXXX XXXX sold this account to Consumer Adjustment Company in the amount of {$1200.00} on XXXX XXXX, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company Consumer Adjustment Company to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-16 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: GA

Complaint narrative:
TransUnion and XXXX are fraudulent on my credit account XXXXXXXXXXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX   is fraudulent on my credit Account XXXX XXXX  CREDIT CARD is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX BANK is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX LAW is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a dispute with XXXX  and XXXX  and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
This complaint is in response to my original complaint # XXXX on XX/XX/2020 which was closed with feedback. XXXX XXXX XXXX bank is awaiting a feedback or response from me as they have realized that there investigation needs further review. My original feedback was that I did not understand the companies response. I also dont accept there response. There are still a couple too many inquiries for same loan product on my experian credit report. The consumer advocate at XXXX XXXX XXXX will know what we discussed on XX/XX/2020 and will reinvestigate my original complaint. Advocate has further information I provided and may contact me if more is 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 2020-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-Atlantic Consumer Services
State: FL

Complaint narrative:
XXXX XXXX sold this account to XXXX XXXX XXXX in the amount of {$1200.00} on XXXX XXXX2019, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company XXXX XXXX XXXX to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We were notified by Bank of America that they were closing our checking account. It happened after the suspected fraud in one of my savings accounts. They said they have the right under the agreement to discontinue business when they want. They then seized {$3200.00} of ours without telling us why. They said they were investing where the funds came from. They come from my paycheck. They said there were still investigating every time I have called. That was over 4 weeks ago. I want my money back and they say just keep calling back. I am getting no where.

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 2020-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CA

Complaint narrative:
Sir, Discover Card closed my account because of non activity since XX/XX/2020. Coincidentally these were the COVID times where we are not venturing out much. 
My limit from XXXX $ goes to XXXX and account is closed unilaterally without any notice. 
I had a 20 years of building of this credit limit by purchases, balance transfers and timely payment and now I am advised to open a new credit card with a default few hundreds of dollars limit. 
I had plans to transfer my funds from other card on to this discover card and I was right timing that for this XXXX when they suddenly closed this account. 
This has my longest credit history built on getting erased, has increased my credit utilization and a new card will have much much less limit and opening will average down my credit history. This all will drastically bring down my credit score. 

Discover at no stage gave me a call explaining this and just closed the card. 
I have given about six calls to XXXX XXXX XXXX only to get one rude response after the other. 

My credit scores were rising all these days and has been GOOD, XXXX per XXXX 

This is unilateral and not a humane thing to do when people need all kinds of support in these Covid days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 2 complaints against Experian. 

# 1 I have been unable to remove a credit freeze on my credit. I had to freeze my credit as Experian would allow fraudulent use of my credit & wouldn't remove fraudulent items from my report. Experian is being completely unreasonable & now will not allow me to remove a credit freeze. Due to this, I am not able to use my credit to turn on my water utilities or apply for credit. Experian has violated my basic human rights by withholding my credit. 

# 2 They will not remove a fraudulent collections account from my credit. I have opened numerous disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with Suntrust Bank on XX/XX/2020. On XX/XX/XXXX, I tried to withdraw funds only to be told that my access was restricted. I have tried everything to find out 1. Why and 2. When my money will be returned. The only responses that I have received is that its under review and no one knows when my money will be returned to me. The department putting me through this misery does not talk to customers. 

Suntrust is holding my checking & Savings without explanation. I have incurred 3 late charges. I can not buy groceries, fill prescriptions, put gas in the car or anything else. 

Apparently Suntrust can do this at will anytime they please. Consumers have no recourse

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 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I received a letter from CREDENCE over the weekend saying I have a collection from XXXX XXXX. I have never used their service, this is not my collection and this derogatory account caused my score to decrease. This account shows opened XXXX of 2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: UT

Complaint narrative:
On Friday, XX/XX/XXXX, I have quote a mortgage rate with Amerisave ( NMLS ID # XXXX  ), a loan officer name XXXX XXXX XXXX Loan Originator NMLS ID # XXXX  ) called me and telling me just give him a call if I want to finish up the application, at the mean time, I was still shopping around and found another lender, today, XX/XX/XXXX, XXXX XXXX send me a disclosure, asking me to sign and review, I checked my credit report and they have already pulled my credit, even though I have " never '' promised to use their company, requested application, provided them any documents and Social Security Number, I immediately call any numbers for XXXX and email/call XXXX XXXX to cancel whatever they have started for me, either of them just direct me to the voice message, it definitely sounds like a scam, hours after anything I have tried, I am seeking help from the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: IL

Complaint narrative:
Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  - {$490.00} XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: IL

Complaint narrative:
Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}

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 2020-09-16 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: IL

Complaint narrative:
Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I started a cash Out refinance in XX/XX/XXXX On my current home loan with NeWrez. The company has started this loan process 3 times as of today XX/XX/XXXX the loan still has not closed. The homeowner has excellent credit, this loan process is taking way to long. I feel that the slow pace has to do something with race. There is no reason a loan should take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Hi! My two student loans that I have with Navient Solutions LLC are currently reporting incorrect information to all three credit bureaus ( XXXX, XXXX  & XXXX  ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with Navient but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
Navient Solutions LLC is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. Navient still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( XXXX, XXXX  & XXXX  ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that Navient states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted Navient on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that Navient would not report that information correctly. XXXX ( Navient Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month. 
At this point, I need help getting this issue resolved and at least reporting the correct information. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: MA

Complaint narrative:
DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-09-16 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: MA

Complaint narrative:
DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation