vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I sold my property in XXXX, Michigan on XX/XX/XXXX. I had both heat and electricity through XXXX XXXX. I had asked XXXX XXXX to stop both services on XX/XX/XXXX and they had confirmed that they will. There had been a major billing issue prior to this cut-off. XXXX XXXX was not correctly reflecting payment and usage due to XXXX changing to a new system. I had spoken with a representative of XXXX XXXX and she had assured me it will be fixed and will no longer be a problem. 

After I closed on the house, I received a credit collection letter from " XXXX XXXX XXXX '' on behalf of XXXX XXXX. I wrote back and gave them an explanation, and disputed the {$240.00} debt ( on XX/XX/XXXX ). On XX/XX/XXXX, they wrote to me that this issue ( collection ) has been canceled. 

I thought that was the end of it, but it was not. I received yet another letter from a different agency regarding the same issue. This time the letter was from Penn Credit Corporation around XX/XX/XXXX. On XX/XX/XXXX, I wrote to them and explained what had happened and disputed the debt. I never heard back from them or XXXX XXXX. 

In late XXXX, I was checking my credit score on XXXX as I do every month or so, and I realized my excellent ( XXXX ) credit score had fallen off a cliff ( now XXXX ) as a result of a derogatory mark having been placed on my file by Penn Credit regarding the XXXX XXXX dispute. The same sharp decline had happened to my FICO score. 

I need Penn Credit to immediately remove this mark. It has cost me time, money, and considerable anxiety. I need the following : - Penn Credit to remove the derogatory mark from all 3 credit reports immediately. 
- Penn Credit to cease and desist. 
- XXXX XXXX to cease and desist. 
- I need assistance reinstating my stellar Credit Score and FICO Score. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2020, I applied online for a Cash Out Refinance Loan from Navy Federal Credit Union ( NFCU ) and was required to fee for the credit check. Based on their product offering pages and application it seemed like NFCU offered this type of loan, so I completed the application and paid the required fee. A few days later, the loan officer from NFCU ( XXXX XXXX ) informed me that NFCU does not offer this product and was going to withdraw my application. After our conversation, I realized I should have asked for a refund since the product was not offered. This product seemed like it was and I won't have applied if it was not available.I attempted to contact loan officer multiple times after - through email and phone, but she didn't not return any of my messages. A few weeks later, I spoke to another representative ( I didn't get name ) that told me she was processing the return payment and that it will take a few business days. I waited over a week and nothing was returned/credited to my account, so I called in again. I spoke to another phone representative, who told me nothing had been processed and they need to get authorization from loan officer. The representative told me they can not get a hold of my loan officer, so I should call back and ask to speak to them directly. I called back a few days later to ask for a supervisor, but they weren't available, so I was given 2 names ( XXXX XXXX and another but I can't find my notes ) and the rep asked either of these supervisors to call me asap. About 2 days later ( XX/XX/XXXX ), I called back to speak to one of the supervisor to get an update on refund, and spoke to her. XXXX said she was going to process the refund and that I would see the amount in my account in a few business days, but may take a little longer since it was a holiday weekend. On XX/XX/XXXX, I checked my account and still did not see the refund, so I called back. I left XXXX a voice message asking for her to return my call so I could get an update. I didn't receive a call from her, so on XX/XX/XXXX, I called back to get an update, but she was not in the office. The phone represenative did confirm the application does give the option for a Cash out Refinance loan on investment properties, but NFCU does not offer them. I am submitting another complaint with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I was advised that Wells Fargo is not accepting the insurance information I provided them, denying me a large refund for Insurance fraud they committed and are attempting to pay borrowers back. Wells Fargo is stating they called my insurance and was advised there is no coverage. 

That is just not true. I am requesting that they provide me a letter in writing from the insurance company stating that I did not have coverage for the dates required. 

I spoke with all 4 insurance companies and indeed they advised that my insurance was valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I received said loan in " XXXX '' I agreed on a set payment of " {$170.00} '' per month, I've been paying this amount for " 15-months ''  consecutively, the loan was " {$4000.00} '' my remaining balance as of " XX/XX/2020 '' is " {$3400.00} '' my issue involves the application of " Interest and Principal '', is this " legal/fare/or right ''. 

The company is " ONE MAIN FINANCIAL '' in " XXXX, VA. 

I thank you for your Time, Effort And Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This will be my final attempt to resolve this issue without counsel from a lawyer and contacting the media. It has been almost a year since I have paid for service that can not be rendered to me. I have contacted XXXX XXXX XXXX about XXXX XXXX and did exactly what was asked of me to do. I contacted XXXX XXXX representative for my case several times with no email or phone call back. She directed me to go back to tires plus and get my vehicle reevaluated and I did. I would have contacted Suntrust prior for a dispute but it is their policy to attempt to resolve the matter with the merchant first and overall that was my goal. 

This is my story. XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX for an Alignment on my XXXX XXXX XXXX. After picking up my vehicle I noticed it was not driving as I felt it should so I called, and the service manager told me they could not do the Alignment correctly because of a lack of specifications to my model. He told me I would have to take it to a XXXX dealership to get it fixed properly. I was stunned and contacted XXXX XXXX XXXX. I did not think I would have any issue having my money returned after all they did not properly align my vehicle and informed me, they couldntXXXX XXXX XXXX XXXX had XXXX XXXX reach out to me through their representative XXXX XXXX and she requested that I bring the XXXX back to have it looked at again, so I did and I let her know both by phone and email. I never heard back from her but I did get a new invoice from tires plus on what my XXXX needed in order to be properly aligned and that would cost over XXXX dollars. This is more than I initially paid for my alignment to begin with. After a stall with XXXX XXXX I decided to reach out to Suntrust to dispute the charge as I am not paying over XXXX for an alignment especially since XXXX XXXX  did not inform me prior to payment that they could not do the service without additional money. I provided sunturst with all of the information from XXXX XXXX XXXX and they asked for more information which I mailed in. After about a month I called, and they informed me that it takes 60 days to investigate my claim fully but about 2 weeks later they said that my claim was out of suntrust timeline and they closed my dispute. I have invested more time in trying to be refunded for service I havent received than it would take for me to just earn it. It is just the point that I paid for service that can not be rendered. I feel like I need legal help. I am attaching all files I can find relating to almost a year of fighting for a refund for service I still haven't recieved!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! ( and keeps dropping ) ... Obviously, this will get anyone 's attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back in XXXX and XXXX was a very hard time for me. I lost my job and was having a hard time finding a job. In result of me not having a job I was late on my credit card payments XXXX, XXXX, XXXX and XXXX in XXXX and XX/XX/XXXX. Since then I have not been late on any payments and my cards are paid down to less than 11 percent. This really impacting my credit cards in a negative way. I was look to receive good will and erase those late payments that's reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I feel that was treated, targeted, and discriminated against on an unfair basis. Started my loan process several months back with Bank of America, The credits reports were pulled with outstanding scores of XXXX on all 3 credit report companies. From the beginning indicated that I was a retired Us Veteran and that I travel overseas and visit family. That I am also a citizen of the United States and have residency for so many years. At the time of application, I was living and residing in XXXX   XXXX. and that I needed to go back overseas to take care of personal matters. That I will return back to XXXX XXXX to close the mortgage process. But due to Coronavirus and travel restrictions due to the virus. That I will leave and Power of attorney to my sister in law to close on the mortgage application just in case I had difficulty traveling. 
After several months the application was denied for the reason listed below. 

Re : Application # : XXXX Loan Program : FIXED RATE FIRST-LIEN HOME LOAN Case # : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Description of Account, Transaction, or Requested Credit : MORTGAGE APPLICATION NOTICE OF ACTION TAKEN We're sorry - we can't approve your request for a home loan right now. 
We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Unverifiable Information : Unable to verify residency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
I refinanced my mortgage earlier this year. A few months after the refinance, a company called The Money Source took over servicing of my mortgage. 

Soon after The Money Source took over servicing I started receiving letter claiming ( without proof ) that my house was uninsured for one day in XXXX. Because according to their records I was uninsured, they are charging me {$16.00} for coverage on that day. I have called The Money Source multiple times to try to resolve this issue, and have been told everything is okay, but nothing is done. I also had my insurance company call The Money Source to confirm there are no gaps on my coverage. They were told that the letter was probably an error. Nothing was done. 

Today I received a letter stating that I still owe the {$16.00} to The Money Source. I talked to their representative and nothing was resolved. 

I am hoping that the CFPB can be my advocate in this issue. Please let me know of any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: NY

Complaint narrative:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2020-09-17 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: PA

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

Company response to consumer: Closed with explanation