vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: NV

Complaint narrative:
These are not my accounts. Not sure who's they are. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX  data breach and someone may have gotten my information.

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 2020-12-29 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: IL

Complaint narrative:
On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the Equifax data breach and someone may have gotten my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: AL

Complaint narrative:
Company say they sent a live check thru mail and I had no knowledge of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: MA

Complaint narrative:
I was a victim of identity theft. I reached out to experian who with documents and a few phone calls removed the fraudulent account from my report. About a month ago. I noticed that the account popped up again. I uploaded that they had resolved this in my favor & removed from my account. 
I have never had an account with this company. When I reached out. They even said they would cease. 
This is affecting my credit score & history.

If the account has once been removed. It should stay off my 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 2020-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
LoanDepot.com, XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Loan Number ... XXXX On XX/XX/2020 I paid my first payment on my loan of {$2700.00}, due on XX/XX/2020. It was deducted from my Bank account by electronic funds transfer ( EFT ). On XX/XX/XXXX their system automatically deducted an additional {$2700.00} payment and treated it like it was a regular mortgage payment, deducting for interest and escrow. 
I tried for weeks to get my money back by calling them and sending messages, but I still have not received a check or EFT refund of {$2700.00} as of the date of this letter. Two agents told me that the funds would be returned by EFT and the rest said that the check was mailed on XX/XX/XXXX. 
Finally, on XX/XX/XXXX a supervisor called me. He said his name was XXXX with an employee ID of XXXX. He said that a check had been mailed to me on XX/XX/XXXX but offered no proof that a check had actually been mailed. He suggested to me that I call my bank and ask them to stop payment on the XX/XX/XXXX overpayment. I told him that I thought it was probably too late to do that, but that I would try. He agreed to call me the next evening to follow-up. 
I called my bank on XX/XX/XXXX and they stopped the payment immediately and refunded my {$2700.00}. That evening XXXX called again, and I told him the good news. He said that he would simply put a stop payment on the check and that I didnt even need to return the check, if in fact I ever received it. I thought that was the end of this nightmare. 
Today, XXXX XXXX, I looked online at my account and discovered that their automated system is now saying that I missed the payment of XX/XX/XXXX and that I am 24 days late on my payment. 
I paid my XXXX monthly payment on XX/XX/2020. They have not returned any money to me. 

To avoid having their system charge me with a late payment, I submitted a payment on XX/XX/XXXX, to be paid on XX/XX/XXXX. Again, their system has deducted the payment twice, apparently because their system has recorded that I never paid my XX/XX/XXXX payment. This is a nightmare. 

There is no one I can call at the company to correct these problems. The company has taken on too many clients and does not have trained staff to correct problems with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went today XX/XX/XXXX around XXXX to XXXX XXXX to withdrawal funds from my td bank checking account through the drive through I was told by one of the banker that as I open the account online I need to come in to see one of their bank associate to resolve some issues with the account that I have with td bank then I went in I spoke with XXXX the banker lady she told me that they made a decision to closed my account permanently and she kept my debit card and refused to give to me back and withdraw funds also mean while I was waiting I was told disrespectfully to wait to move away while I was seated on front of the banker then I was explaining to her how I feel that is unfair the treatment which they made me waste my time going home then they called me to come back to the branch then I went and they still told me to they gon na closed the account permanently for ever with the bank and through that time from XXXX to XXXX XXXX somebody use my debit card and I had to called the police from the branch the police show up to help with the matters but the td bank employee covers some story about the matter which is unfair and after all that drama they gave me my debit card back but still the manager told me that they gon na close my account permanently which I think I was discriminated by my skin color and race I wan na exercise my right as human being I filing this complaint thank you I already called the customer service from the bank but I was discriminated by this bank ... ... also another details they told me back in XXXX I had and account with them there was an old balance around XXXX dollars which I paid XX/XX/XXXX they said that was one of the reasons but I been with td bank for about 7 months or longer. And I have others product with that institution but everything is recorded in the branch how I was treated as prove and XXXX the banker kept my debit car for about 3 to 4 hours and after I called the police I got the debit card back under their owns description like they are trying to cover the story and hide the true I was discriminated because my race and skin color also the question me like the police about my account and the manager and other supervisors told me the same that they gon na close the account permanently for ever and never in my life be a customer for td bank everything is under branch video even when the teller walk from the counter and got my debit card from XXXX XXXX of the ladys that started the matter and disagreement about my account and relationship with td bank my prove is the bank recorded camera and videos

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten 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 2020-12-29 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten 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 2020-12-29 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: NV

Complaint narrative:
These are not my accounts. Not sure who's they are. Please remove them.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The first payment on a {$22000.00} used XXXX XXXX XXXX to XXXX XXXX XXXX was on XXXX XXXX. 
The Vehicle was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments ) through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The first payment on a {$22000.00} used XXXX pickup truck to XXXX XXXX XXXX was on XXXX XXXX. 
The XXXX was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments XXXX through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :

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 2020-12-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express Card. The hologram is not on the card and AMEX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my XXXX. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX  ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( I had to find the company name myself as it was not indicated anywhere on the letter ). I spoke to the representative who after asking some questions said I was eligible for student loan consolidation which I knew existed but hadn't got around to researching. After stating that I was eligible, the rep told me there would be a {$790.00} processing fee. Because I would be saving over {$5000.00} in the long run with the program, I wasn't worried about paying the fee initially. 

Today ( XX/XX/XXXX ), they were supposed to take {$39.00} from my account, and continue to do this for the next 20 years yet I did not see a charge. I then decided to do some XXXX  since none of this felt right and found out that loan consolidation is free! There were also forums upon forums of people who have fallen for this scam and urging to stay clear. I have since called to cancel all of my future payments and asked for a refund but was refused due to them 'providing me a service '' but to me NO service has been provided as my loans have not been consolidated and the payments were for them to prepare documents - basically the same documents available on the FAFSA website. I unfortunately signed their online " contract '' and returned the copy they emailed and had me print out and they took the money afterwards. One rep also said that they are affiliated with the Dept. of Education, but when asking for a refund the other rep says that they are not. 

They refused me a refund and stated that they can put my file under review but that I would most likely not get my money back because I did not cancel in their 3 day grace period. I have now opened up a dispute with my bank for the initial payment of {$790.00}, and am trying to change my account to prevent any sort of future charges ( even though I cancelled ) because I do not trust them. I will wait to see what both they and my bank says but wanted to file a complaint anywhere I can because this company should be looked into!

Company response to consumer: Closed with explanation