vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: SC

Complaint narrative:
I have been disputing an item on my credit report through experian since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, XXXX XXXX XXXX that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX  XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.

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 2021-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST REPUBLIC BANK
State: MA

Complaint narrative:
In XXXX I consolidated my student loans with First Republic Bank. The loan issued by First Republic is a personal loan and not a student loan. A large incentive to consolidate the student loan debt into a personal loan was that First Republic would not report the loan to credit bureaus. This was promised and confirmed over and over by First Republic Bank Representatives. For the first 2 years of the loan it was not reported to the Credit Bureaus. However, First Republic changed their policy and reported the loan to the Credit Bureaus in XXXX. 

This drastically impacted my credit as a Personal Loan of this size is viewed much differently than a student loan. 

Now I have attempted to refinance the loan back as a student loan to avoid the negative credit reporting and can not do so as it is a personal loan. 

I emailed and called several people with First Republic who refused to change the credit reporting. These emails can be provided if necessary.

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 2021-10-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. On XX/XX/2021 I sent a certified Letter to Equifax informing them that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. On XX/XX/2021 I received a response from Equifax stating that they would investigate my dispute. Allow them 30 days to complete it. 

We are now past 60 days- I have no response from them. I've tried contacting them twice to get an update on my dispute and was told Equifax doesn't remove inquiries per customer request. 

This is a clear Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Experian, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I dont even know who XXXX I have never applied to to get any credit from them yet Im in collection I have no knowledge of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
FedLoan reported that I did not pay on my student loans when I infact was not notified I had a bill. I never received a bill. I have asked multiple times for proof that they attempted to contact me to collect a date & have been told they " see an email sent '' but can not verify the body of the email or email address used. They also claim they tried to call, but used a phone number that changed years before I took out loans ( new phone number was adopted in XXXX  & was on ALL loan paperwork from XXXX as well as presently ). I only found out about the 90 days late on payments because my credit monitoring program told me about it. It also shows on their website that I did in fact pay the two months before being delinquent for 90 days, to which the employees I have spoken to MANY times can not explain. I now do not qualify for a mortgage loan despite making over XXXX because it shows I have a 90 day delinquency on 15 loans. I have hired XXXX XXXX to fight the claim, been told by fedloan employees to file an internal complaint for it to be repaired, filed multiple complaints to all three credit bureaus, and have sent multiple letters of goodwill. Frankly, fedloan broke the law by not notifying me in any way ( I normally receive emails and things in the mail from them, however received nothing about missing payments ). My previous payments before these months ( XXXX XXXX XXXX ) were {$0.00}, so I had no idea this would change the beginning of the new year because I had not been at my job for a year, but had provided proof of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
I have contacted Portfolio Recovery reference number XXXXon XX/XX/XXXX andXX/XX/XXXX by certified mail multiple times through written communication advising them this debt was not mines. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the singed contract in question for3 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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:
THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA 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 2021-10-11 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: GA

Complaint narrative:
THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America incorrectly charged off an overdraft line of credit on my checking account in XX/XX/XXXX. I wasnt contacted by B of A to collect in either writing or by phone in an effort to collect. I didnt know about this default, until I applied for a Mortgage, for a new home in Arizona , in XXXX of XXXX. After trying to correct the matter, they told they had made some data base changes and could no longer collect. They couldnt find the loan in question. They would give me a letter that they wrote the debt off. Clearly that wasnt sufficient for the mortgage company. I was penalized with a higher rate. After more research into this matter and spending about 40 hours on this, I was able to find the recovery department at B of A and make the payment ( see letter attached ). This no longer shows up as a default, but 90 days late. I have banked with B of A for 40 years. I have had numerous loans through the years. I have never been late, let alone defaulted on any loan. I shouldnt be hit with 90 days late when this was B of As mistake by not notifying me of this collection. Again, there were no phone calls or letters in an effort to collect. This is affecting my FICO score and credit rating

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 2021-10-11 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: MO

Complaint narrative:
In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if Transunion and XXXX had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.

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 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed a Debt Validation Letter to Portfolio Recovery Associates, XXXX ( XXXX, XXXX ), as USPS Certified with Return Signature ( attached ). In response to a listing on my credit report, this is a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating the claim is disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay {$2300.00}. I listed a description of the items needed. Of importance was a request for copies of all statements while the account was open. I did not receive it, along with other information requested.

In summary, I received the following documents from PRA, LLC, which I attached : Document A from the Dispute Department states the Seller provided an electronic file of its business records containing information concerning the account and further to contact the PRA. LLC Dispute Department for a history of payments posted after the Sale.

Document B from the Dispute Department states that it has completed its investigation of my dispute concerning the account and have attached/mailed documents related to the account, which establishes its validity. 
Documents C1 and C2 are two pages of the XX/XX/XXXX to XX/XX/XXXX Statement Statements for XX/XX/XXXX through XX/XX/XXXX are not included because they include postings after the sale to PRA, LLC. 
Document D is a Notice of Sale from XXXX XXXX XXXX  to PRA, LLC My request is that PRA, LLC provide copies of all statements, while the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: MO

Complaint narrative:
In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every XXXX weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if XXXX and Equifax had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have received via US Postal Mail, a letter from SunTrust dated XX/XX/XXXX. I objected to the response for the following reasons : A. I sent, an email, a full loss mitigation application to SunTrust on or at XX/XX/XXXX and XX/XX/XXXX. To date, SunTrust hasnt decisioned, replied to, acknowledged, or processed that loss mitigation application.

B. The loss mitigation application submitted again to SunTrust on XX/XX/XXXX via email has similar treatment by SunTrust-It hasn't been acknowledged by or processed by SunTrust. 

C. The XX/XX/XXXX from SunTrust letter seeks to reply to both a QWR/NOE/RFI to SunTrust AND request that I submit a new loss mitigation application without replying to or decisioning the XX/XX/XXXX application as deficient, declined, adjusted, modified, or any activity of the same. 

D. SunTrust. on XX/XX/XXXX, notes that my documents submitted for loss mitigation are over 90 days old BUT SunTrust doesnt provide a reason why it hasnt processed the loss mitigation application timely or acknowledged receipt or anything. SunTrust is defiant of and not complying with CFPB rules for processing loss mitiation and defied the XX/XX/XXXX CFPB rules on processign loss mitition applications. 

E. Since SunTrust has determined that I do not have to pay Mortgage Insurancde Premium, ( MIP ), I wish to know if the desk review noted by your lawyers that asserted that the loan isn't like to be approved for loss mitigation options, included the deletion of MIP as part of the payment declaration. Secondly, since I asserted as part of the QWR, that that item should have been deleted as far back as XXXX, will SunTrust recover such amounts and adjust the escrow and payment matters.

F. SunTrust denied and would not delete negative credit information from credit agencies and is in direct opposition of the CARES Act and Presidential Executive Order as well as Executive Order of the Mayor of DC. 

G SunTrust hasnt addressed all of the items noted in my QWR/RFI/NOE and the same is attached for your review together with documens and declarations to the same of your review. Please comply with the QWR duly submitted.

H. SunTrust asked its lawyers, contrary to a representation to the Superior Court of DC, that they would remove my loan from loss mitigation contrary to CPFB rules, and inferred that they would start foreclsoure proceedings in defiance of an order not to do so by the Mayor of DC.

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. On XX/XX/2021 Navy Federal Credit Union received a letter from me stating '' I am invoking my specified remedy as a consumer, and the original creditor, requesting Documentary evidence that Navy federal was in fact the holder in due course. '' along with ceasing any attempts to collect any alleged debts. NAVY FEDERAL NOT ONLY FAILED TO PROVIDE DOCUMENTARY EVIDENCE, NAVY FEDERAL CREDIT UNION ALSO CONTINUED TO CONTACT ME, COMMITTING MAIL FRAUD, ALONG WITH CLOSING MY ACCOUNT IN XXXX. Which places NAVY FEDERAL CREDIT UNION in violation of 12 CFR 1026.13 ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. NAVY FEDERAL NEVER RECEIVED EXPRESS WRITTEN CONSENT FOR ME TO CLOSE MY ACCOUNT. I also have a voice recording of Navy Federal Credit Union representative stating that received my letter XX/XX/2021. I also have evidence of Navy Federal Credit Union violating 15 U.S. Code 1692c. Navy Federal has also violated 15 U.S. Code 1681 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeany authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Leading to a violation of 15 USC 1692d ( 1 ). Any bad debt furnished on your reports is ruining your reputation, and it is defamation of character. 
This is just a few violation Navy Federal Credit Union has abused me with. I will be sending mail along with evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation