vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: CA

Complaint narrative:
I read the report u sent me in response to my last complaint. U stated there is no problem with my credit reports and it states I made my payments on time however I have not or at least I dont see that u corrected the issue of the payment history in XX/XX/2018 which has a red box indicating negative. There is nothing negative about my payment history as I made all payments monthly and never late. So, on the one credit report, ( I dont recall which one at this time, but I suspect it is on XXXX, however please double check all three credit agencies to verify which one still has the red box in my payment history. ) please correct to represent the facts!

Also, one of the credit reports I received states derogatory in payment history which is also false. Absolutely no where on any of my credit reports should show that I am derogatory or delinquent or negative! The only thing that showed be on my reports r the true facts which clearly if I make all payments my payment history should never show anything but paid as agreed! 

U must remove all negative, derogatory and or delinquent comments, statements and or marks from all three credit agencies on my reports to represent my history with XXXX XXXX mortgage company. My mortgage company should never report anything except bankruptcy since they insist on doing so despite the fact that I did and still do make the payments all on time since day 1 ( one )! There should be no representation of anything negative except the fact I filed bankruptcy. Bankruptcy does not mean I didnt pay my mortgage, it simply was the wrong action I was manipulated into filing for judgment liens not on any credit card or mortgage at the current time. 

Must remove everything negative from XXXX XXXX and my payment history as it was and still is on time every month! 

Just because it states payments were on time doesnt change the negative, derogatory and or delinquent statements or comments in my reports. Please correct to represent the facts that I did make all payments on time.

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. I also addressed this issue previously and thought they had resolved this matter which they have not.

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 2021-04-20 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: FL

Complaint narrative:
In XX/XX/2020 XXXX XXXX agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.

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 2021-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made many attempts to dispute errors on my Experian credit dated XX/XX/2021, by way of telephone and to date Experian has block consumers from calling and speaking with a representative. 

Each time I have attempted to reach out to Experian by way of telephone I am send to a maze of options that then blocks consumers from ever reaching a representative. 

During Covid-19, consumer are suffering financially and need quick access to consumer reports and ability to dispute inaccurate information contain in credit bureaus files that is blocking consumers from receiving lines of credit. 

Experian is refusing to take telephone calls and answers consumer question forcing a timely delay in place alerts and removing negative information. 

Therefore, I am asking the CCPB to enact or enforce laws to prevent this abusive business practice of not taking consumer telephone calls and forcing consumer to go into post offices during covid to dispute information, not all consumer have online access therefore should be able to speak with a representative by telephone and dispute inaccurate 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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a medical debt on my credit with out listing the original creditor. They are are not listing a name on the debt. I have mailed them out multiple disputes, I do not get a response at all. I have included screen shots of what the error is. Its been a year and I have not gotten the items removed. Since they are not reporting the name of the original creditor I do not who to call in re to the debt. Can you all please help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
On XX/XX/2020 I traded in my XXXXXXXX XXXX for a new nissan XXXX. Financing was to be provided by Nissan Financial. I traded my car at Nissan of XXXX XXXX in SC. 
On XX/XX/XXXX I received a call from XXXX Financial that I was late with my payment and they needed a payoff or the car. I advised XXXX that I had traded the car. Upon contacting Nissan of XXXX XXXX they stated that the financing was rejected by Nissan Financial and that I had to come back in and resign paperwork. I did this the next day. I was also told that they would get me credit corrected. I received another call from XXXX in XXXX that the car was still not settled and they had reported me late again to the credit bureaus. I filed a complaint with the CFPB to have this mattered corrected immediately with no resolution. This is the second time I'm am filing this and expect my credit to get corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried numerous of times to unlock my credit report and remove the security freeze and no one at Equifax will help. I have tried using my Equifax credit to apply for XXXX home services for cameras for my home and keeps showing my profile is locked. I have spent multiple HOURS and DAYS on the phone with rude customer service reps that clearly tell me the file is unlocked and still shows to be LOCKED. I tried applied for other credit and my credit shows completely frozen. I can't use my credit for anything when any company uses Equifax to run my credit. I have contacted my attorney for this matter as well. Equifax is making me SUFFER by not allowing me to establish credit. I do not have any problems with XXXX or XXXX. I was once a victim of identify theft and have now straighten everything out and still they will not unlock my credit. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of this account # XXXX with XXXX that is reporting on my credit report. SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX. XXXX account information was deleted from XXXX and XXXX because the fraudulent account could not be legally verify. Experian stated that they will delete the XXXX account in 7 days on XX/XX/1921 because of the FTC fraud report filed. However, Experian is still reporting the account on my credit report. Please provide me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. If you can not supply the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.I will further pursue all of my legal remedy without further notice to Experian. I have attempted to resolve this matter formally before filing a complaint and lawsuit! I give Experian authorization to check or investigate the XXXX 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 non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This relates to Wells Fargo Mortgage Account number XXXX On XX/XX/XXXX I wired transferred more than {$340000.00} to an account at Wells Fargo to pay off my mortgage. The person who sent the wire transfer mixed up and put the account number where the loan number was on the form. Apparently, at Wells Fargo, they had another customer with the exact same account number as my mortgage loan number so my money went into their account. 

I never got a notice from Wells Fargo until XXXX saying my loan was not paid off. At that point I had XXXX XXXX XXXX try to recapture the funds. It took until XX/XX/XXXX for me to get my funds back. 

Now Wells Fargo is saying I owe them {$4000.00} for the interest on the loan from XXXX to XXXX ... ..even though they acknowledge that they had my money at their bank for all that time. I think it is outrageous that the wire transfer was not kicked back on the day of the transfer due to the fact that Wells Fargo has the exact same checking account number as my mortgage account number. 

I have had numerous calls with Wells Fargo over this and they refuse to budge. I am hoping that this agency will help me to remove this ridiculous penalty they are demanding I pay.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On Several Occasions I have contacted National Credit Adjusters with regards to this old debt that they keep adding and removing from my credit report which is causing harm to my credit score. I have attempted several times to ask for debt validation since this account does not belong to me and not once have they attempted to provide any kind of documents at all. This company has more than enough complaints on them and how they harass consumers all day long. I want this untrue/non-compliant derogatory account deleted from my credit report immediately. This company should not even be in business with the number of complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank has ignored the documents I have sent to support a filed dispute and extended time to the merchant repeatedly past given deadlines.I received correspondence from Citibank on XX/XX/XXXX stating that they reached out to the merchant but had not heard back from them and they had until XX/XX/XXXX to respond, the date of the letter I received. Two weeks later I receive another letter stating that the merchant won't give the credit because they did the work. My original dispute included the information that Citibank requested of a second opinion stating they performed excessive labor to drive up the price and still did not provide the diagnosis of the problem. I provided the proof asked for and XXXX XXXX has yet to give me a diagnosis. They only ever gave a parts list of what needed to be purchased and replaced. The mechanic who fixed the motorcycle stated as much in their invoice. Now I am told they have closed the dispute in the merchants favor. 
Secondly, despite an annual fee of {$500.00} I am denied the right to speak to anyone when I call in for any reason at all. This means when I have questions that must be answered in a timely manner to respond to disputes I am told I must send those questions in writing and wait for a reply when an immediate response is needed from the dispute department. Citibank should be representing me as I pay them {$500.00} annually for their service. Instead I get no personalized service while they defer to the merchants rather than standing up for their clients.

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 2021-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX- while professing one may update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!

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 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: OR

Complaint narrative:
Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX  anyone!! We filed a fraud claim. In the meantime, Key Bank " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I bought a XXXX XXXX XXXX through Kia Motors Finance. On XX/XX/XXXX my car was hit by a drunk driver. My insurance company XXXX issued XXXX XXXX a check to payoff the loan. The total amount of the payoff loan was {$15000.00}. And I have a copy of that Check. On XX/XX/XXXX XXXX helped themselves to an additional car payment in the amount of {$350.00} out of my checking account. Which is 100 % theft. First they claim they didn't have the check ... Then they claimed it was sent to the wrong address, which is NOT TRUE. I verified that with an Agent at XXXX who has been in total loss for decades and she told me that's a flat out lie and that the address they used is the same one they have used for years. This Agents name is XXXX XXXX. 

P : XXXX F : XXXX XXXX : XXXX I have called XXXX XXXX five times in the last 24 hours trying to get resolution and all they do is lie, deflect and blame Esurance. The Customer Service Supervisor that I spoke with at Kia Motors Finance is called XXXX. When I ask him a simply question about " their time schedule '' and their " process '' for processing the check they already have from XXXX, and refunding my {$350.00} they refuse to give me answers .... This has caused an enormous financial hearthache on me, as I already took a big loss with my car getting totaled. 

To sum up, XXXX XXXX has admitted they have they payoff check from XXXX, they are basically refusing to process that check and stole an additional {$350.00} from my autopay and refuse to refund my money ... I believe this is unethical, deceitful and illegal. 

Strangely enough XXXX told me yesterday that here seemed to be another account I have with them ... which is very strange ... But there were also issues early on with an incorrect VIN number. I had ONE LOAN and one car ONLY. Some how I found the second account that I would like an explanation for ... XXXX ... What is this account? and why do they have me owing {$19000.00} ... KMF is a very shady company and I want explanations. 

XXXX 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
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
Good afternoon, I reached out to experian, XXXX  and XXXX regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.

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 2021-04-20 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: FL

Complaint narrative:
Good afternoon, I reached out to XXXX, XXXX  and equifax regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation