vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
Mountain run solution located XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX violated my consumer rights. 

Pursuant to 15 USC 1692 B. ( 5 ) Pursuant to violation 15 USC 1692B. ( 2 ) Ive submitted exhibit A and B in the complaint

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have been unable to get a response from XXXX XXXX XXXX and per the Cardmember agreement on customerfinance.gov, the next step is to start an Arbitration so I can be heard. I previously sent a request to remove a 30-day late payment on my credit report from XX/XX/XXXX. The late payment was not removed and I was advised to mail any supporting documents I may have to Barclays if additional assistance was needed. I have since sent a letter to Barclays in XX/XX/XXXX showing that I had enough money to make the payments and I was unable to do so as I was dealing with the death of my Grandmother, I was away and was in an area that was affected by a natural disaster. I never received a response to my mail. I have also sent 3 emails to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but never received a response.

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 2021-11-02 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I went to OldNavy store manager of the store apply to their credit card for me but when I realized that their going to make a hurt inquire to my credit score I told to her to take it off right away that I dont want to lose my points on my score. And the lady canceled that application right away but hurt inquire happened and I lost my 4 points of my credit score. Today Im trying to get back my points because the request for credit card didnt go through because I canceled.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Applied for a XXXX credit card today when I attempted to purchase annual XXXX passes for my family. My application was denied due to already having received a XXXX card with promotional benefit in the last 24 months The previous card being referenced was closed. I closed the account when I cancelled the XXXX passes during he pandemic. 

It was not clear or disclosed that I would be denied for the stated reason when I applied for the account. Had that been the case, I would not have applied. When I called I simply requested that the inquiry be removed from my account due to the lack of clear disclosures. I did not want an account opened. Only the inquiry removed. They refused. It is not appropriate that my credit report takes a negative inquiry hit due to XXXX lack of clear disclosures in their application process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
During XXXX XXXX XX/XX/2021 I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX  XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. Discover informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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:
I have attempted several times to get trans union to remove a fraudulent hard inquiry for several months the company XXXX XXXX ( XXXX ) has turned over the removal several times to trans union to remove the inquiry and still nothing from transunion

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 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX na XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX XX/XX/XXXX FOR {$68.00}

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 2021-11-02 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX  XXXXBalance $ XXXXDate Opened : XX/XX/2013 XXXX  XXXX  XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app will only help me if I have the bank card number. I lost the bank card so they will not help. They will not answer the phone or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMEX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Since I have been with Veterans United, I have paid for four appraisals, my main concern are the appraisals done in XXXX. 

( XXXX ) XX/XX/XXXX ( {$540000.00} ), and ( XXXX ) XXXX, XXXX ( {$580000.00} ) On XX/XX/XXXX I paid for another appraisal, it appraised at {$570000.00}, a {$9000.00} difference, XXXX XXXX years later ; I haven't accumulated no equity, how do you lose {$9000.00} in equity in a thriving XXXX XXXX XXXX? 

For two years, I've had concerns with the XXXX appraisals, I shared my concerns with my Loan Officer, and recently with Client Advocate. 

I wanted Underwriting to look at the appraisals I was having issues with, I believe mistakes were made in this process. 

There's a {$150000.00} difference between the 1st appraisal and the appraisal done on XX/XX/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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
This is my second complaint about Caliber Home loans. I originally called them in XXXX to let them know that I was ready to end my forbearance and start making payments but the payments were unaffordable due to long term decreased income due to covid and I would need a flex modification as a solution to covid post-forebearance. I sent in the complete package in XXXX and also called to confirm that they had received it all to which they said they had. Then in XXXX they said they hadn't received it all and I sent numerous items repetitively back to them. It actually felt like they were giving me the run around with the items they were asking for and they were changing the requests. I finally received a letter in XXXX stating that they had FINALLY officially received the modification package complete again ( though they had confirmed this in XXXX ). I then received a string of automated calls last week stating that I needed to call Caliber for a status update. I called and called and the system said that they were doing 'upgrades ' and that the system was down. ( Why they are sending automated calls for customers to call a system that is down is another problem ) So I called this morning on XX/XX/XXXX only to find out that we have basically started over. The rep asked me if I am ready to begin making payments and they will get me on a deferral program. I now am two months into this ridiculous process and we are restarting the process all over again. I have told them that I can not make the current payments and I requested a flex modification through the CARES act 2 months ago. She said all she can do is notate the account that I am ready to begin making payments and they will look at a deferral to begin the post forbearance solution. I can not begin to tell you how frustrated I am with this company. They said a modification takes 30-40 days to complete back in XXXX Its now been 2 months and they are starting over with everything. Absolutely awful company. It appears to me that they are trying to get customers stuck in the weeds as long as they can until they are forced to exit out of Covid Forbearance quickly... thus forcing them into a deferral last minute. CFPB needs to know what a mess this is and how difficult it is for customers to navigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I had my credit frozen several years ago and recently tried to refinance our mortgage. The two agencies were no problem to lift my freeze but Equifax has been a major problem. I have been calling, faxing, sent copies of my personal information with request to lift the freeze to no avail. 
I have had my bank run our credit and the only issue is with Equifax which they state no reason for them to have taken this long. 
I spoke with a woman overseas today with Equifax and she wanted me to send her a copy of my drivers license and social security card by picture on a link which was insecure. I stated I had sent the appropriate documents several time and she hung up. 
Please can you help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT FILE. I DISPUTED SOME ITEMS THAT WERE NOT AUTHORIZED. TWO OF THE THREE CREDIT BUREAUS REMOVED THOSE ITEMS. I HAVE SENT A COPY OF THE ITEMS THAT WERE REMOVED, UNDER THE FCRA ANY ITEMS THAT HAVE BEEN FOUND TO BE IN ERROR OR REMOVED MUST SHARE THEIR FINDING WITH THE OTHER THREE MAJOR BUREAUS ARE REMOVE ACCORDINGLY. THEY REFUSE TO FOLLOW THEIR OWN GUIDELINES IN PLACE.

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 2021-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
During my investigation, it has been brought to my attention that I have been swindled. The federally mandated disclosures and instruments were not provided during the initial communication of the agreement. I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTCReport, Affidavit of Truth to Navient and Attorney General of Texas complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Nelnet, Inc.
State: FL

Complaint narrative:
I would like to report Nelnet student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, XXXX and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from NelNet that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: OH

Complaint narrative:
This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: OH

Complaint narrative:
This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

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 2021-11-02 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: OH

Complaint narrative:
This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

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 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
My Name is XXXX XXXX. My home address is XXXX XXXX XXXX XXXX XXXX NJ XXXX. On XX/XX/XXXX I made my final payment to XXXX XXXX XXXX  on My XXXX XXXX XXXX Vehicle and was told that by XX/XX/XXXX I will have my title in my hand for that vehicle. On XX/XX/XXXX the end of business day I reached out to the bank and advised them that I did not receive the title for my XXXX XXXX XXXX, I was then told that their records show that it was mailed out on XX/XX/XXXX and I should give it an additional 10 business days for arrival. On XX/XX/XXXX end of business days I reached out back to the bank and inquire about this title again and was told to check with my DMV. I then reached out to the DMV and was told that a lien is still on my car and that they would not receive my title if it's paid off it should have been sent directly to me. I was then advised by the DMV to ask the bank for a Lien discharge statement and then I can apply for my title on my own. On XX/XX/XXXX I then contacted the bank again to request a lien discharge statement, I requested a copy to my email and one via mail. I was told again that they sent it via mail and I should check back my email within 2 hours it should be there. I called the bank back within 3hrs from our previous conversation, notifying them that I did not receive any lien discharge notice, they told me to wait a bit more for it to come through. I then gave the bank until the next business day ( XX/XX/XXXX ) and called back and it's still no help. At this point I'm starting to get the impression that the bank is lying and just refuse to hand my Title over to me and I need my title. 

I don't know how much this will helps but my account number with the bank on that car is XXXX. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX  XX/XX/XXXX 5. XXXX XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}

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