vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
HIPAA Violation I requested validation ( not Verification ) of items being reported to the credit bureaus. ARS Account Resolution responded in multiple letters that they have " verified '' these accounts. This " verification '' presents multiple violations by ARS Account Resolution as well as the Credit Bureaus. First, ARS Account Resolution did not provide the evidence of validation that was requested and also by providing this information they are in violation of my HIPAA rights.

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 2021-09-09 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: PNC Bank N.A.
State: OH

Complaint narrative:
Hello, PNC Bank : XXXX # XXXX ; XXXX  # XXXX ; XXXX # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I fell upon financial hardships in XX/XX/XXXX and XXXX XXXX inbetween jobs capitol one was the last thing i was thinking about and without any warning or contact they reported a late payment refusing to work with me to get the account settled. Once the pandemic hit I was laid off once more and unable to receive any unemployment benefits. During this period Capitol One repeatedly dinged my credit score on the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly on XX/XX/XXXX all during the year of XXXX. The amount of impact this has had on me financially is enormous. The decrease in my credit score due to capitol one is solely hindering my abilities my secure vehicle financing and even to be able to find housing. The damage that has been caused is completely outrageous when you consider the struggle they are causing me over an account of {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: Statebridge Company
State: NJ

Complaint narrative:
Dear Statebridge, Attached please find Response letter from XXXX XXXX XXXX XXXX , XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

We have been advised that Statebridge Company transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan  Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This is my second time reporting this company for the same thing illegally posting a debt on my credit report that didn't belong to me.and still reporting it after I stated it's not mine. I reached out to company and saying this is not my debt so stop reporting this to all three credit bureaus.So the company requested that I complete an identity theift report, I made one with the federal trade commission.and sent a copy of the report to National Credit Adjusters. but this company continues to report this account as mine, and has not removed the account yet. They just reported this account as mine again on XXXX. 
To all three credit bureaus again. And I'm a little fraustraded behind their actions as a business. I just want this company to remove their self from my personal data, and stay out of it, .you have the documents you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

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 2021-09-09 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: NY

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear XXXX, Attached please find Response letter from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

We have been advised that XXXX XXXX transferred servicing of account # XXXX to BSI Financial Services who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
Dear XXXX, Attached please find Response letter from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

We have been advised that XXXX XXXX transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My son and I had a joint loan financed through Ally Financial Acct # XXXX for a XXXX XXXX XXXX. My son was involved in an accident in XXXX of XXXX. We informed Ally Financial and stated that the insurance would pay and settle the account so Ally provided an extension, ( see Attached letter ). Based on the next letter, My son 's insurance paid for most of the balance, and we received a letter on XX/XX/XXXX stating that clam settlement did not pay the entire amount. ( see attached letter ). We called our gap insurance company who stated that they paid the balance of the insurance that was not paid. We spoke with Ally insurance and told them it was paid, after further back and forth conversation Ally said they would look into it. We then received a letter from Ally indicating that they received the funds and it was misapplied and apologized for the error. On XX/XX/XXXX, we have been harass by Ally indicting that our account has not been paid, In addition Ally, has now reported it to the credit bureau a negative account and our credit scores dropped significantly by 30 points. I am furious about that as I am unable to obtain new credit. I want my credit score reversed back and I want to be compensated due to the stress it has caused me. I worked hard to get my scores up.

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 2021-09-09 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: WA

Complaint narrative:
I am a XXXX  mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that Experian, XXXX, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.

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 2021-09-09 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I want to report Midland Funding for inaccurately reporting information to the major credit agencies and violated laws and my rights. Aside the emotional distress it has caused from constant harassment by them since 2019, I want to let them know this behavior is not acceptable for the {$590.00} that they keep asking for and does not pertain to me in any which way. Furthermore, I know my rights and will not be accepting anymore of this behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, My grievance is on the partiality ( Biases ) that Navy Federal have against XXXX Veterans 100 %, that have filed a Chapter XXXX Bankruptcy. This institution will not let previous members with financial problems due to life changing events to maintain their membership. I find that the ADA should also be aware of their biases against the financial strain of the XXXX. Also, they cant used I had some returned checks as I was being fraudulent. If that was the case, they would not have any members. Thank you Kindly! Stop the biases against the financially strained!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/21, we closed a refi with XXXX # XXXX, and the first payment was due XX/XX/21. We made the first payment on XX/XX/21 via XXXX with XXXX in the amount of {$4600.00}. On XX/XX/21, we received notice that the loan was transferred to Mr.Cooper, under loan # XXXX. I set up auto-pay to begin XX/XX/21. The XX/XX/21 payment was drafted successfully. I contacted XXXX to track the XX/XX/21 payment to Mr. Cooper and they advised that a bulk wire was transmitted via fedwire on XX/XX/21 under reference # XXXX for {$10000.00}, which included two other payments. 
I have made numerous inquires via phone, email, and account messaging to no avail. A research ticket was opened on XX/XX/21 under # XXXX ; on XX/XX/21 I was notified the ticket was under review. I sent another follow up on XX/XX/21 and received another scripted reply under ticket # XXXX. 

Meanwhile, the XX/XX/21 payment was debited and included an additional {$1000.00} to apply to the principal. On XX/XX/21, I received notification that the {$1000.00} applied to the principal was placed into an unapplied funds account until the balance of {$3600.00} is resolved. I spent an hour on the phone with XXXX, who provided me with all the backup showing the payment was made and transferred. Now I fully expect there will be late fees and credit bureau reporting, which should be against regulations when there's a pending ticket regarding payment. The consumer suffers through the process when the mortgage company should be held accountable. 

I am hard-pressed to believe that a servicing company dealing with payments all day long can not reconcile a simple wire for three mortgage holders. The entire process of mortgage transfer should be pretty straightforward. Simply follow the law, regulations, and your own policy and procedures! As a professional in the financial crimes industry, I am suspicious of Mr.Cooper redirecting my funds to a suspense account, instead of following the transferring account payments. 

( As an aside, if I were performing their XXXX audit ( my core business ), I would be reviewing that suspense account for unusual or suspicious activity. ) Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: PA

Complaint narrative:
3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.

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 2021-09-09 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: PA

Complaint narrative:
3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In early XXXX I had an accident with my XXXX  XXXX XXXX  XXXX which is finance by Chase Auto. I agreed with my insurance company to declare the vehicle totaled. The insurance XXXX XXXX XXXX issued a check to me on XX/XX/XXXX for the difference in the market value of the vehicle less the outstanding loan balance. XXXX sent the payoff amount to Chase Auto via XXXX  XXXX on XX/XX/XXXX and it was signed for on XX/XX/XXXX. Following XX/XX/XXXX, I did not see the amount applied to the loan. After several calls it was agreed that the Insurance company send another check because Chase was unable to find it. The new check was received XX/XX/XXXX. Finally on XXXX after several call the amount was applied and the loan closed. Based on the payoff in XXXX I did not pay my XXXX bill given that it was going to paid off. On XX/XX/XXXX, Chase issued a default notice which has impacted my credit score by over XXXX points. Their most recent statement it that they submitted a credit dispute on the default which can take up to 60 days to hit my rating. This basically freezes me from applying for any credit. Can you push them to or help expedite the fix to the process. I'm planning on closing out all my Chase products and would like to apply for new products with my XXXX rating to get the most favorable rates. Further, a regulatory investigation seems needed to on how they can misplace checks and need to improve XXXX on closing out accounts. There should also be some restitution paid for the time and stress this issue have taken. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax multiple times over the course of 6 months to file a dispute and they make it very difficult to speak to someone over the phone. They made me go through an automated system answering questions from our credit report as " verification '' of my identity. Which is not an accurate way to verify my identity because the information they are reporting is not 100 % accurate. When I finally did speak to someone the same thing occurred and the representatives hung up on me. I had to keep calling back and go through the same difficulty. How can a company make it this difficult for me to access a file that they never even had my written consent to create in the first place. So, it's okay for them to create a file on me but not give me access to it? They can help themselves to my information but turn around and say I have to prove who I am to them? They should be proving to me who they are, and how they can create a file on me. Use of my personal information without my written consent is Identity theft and is punishable under the FCRA Federal Credit Reporting Act. I am absolutely disgusted that I have to go through this. My character has been defamed and my reputation ruined because of the things they have be reporting and not allowing me to correct them. Also, let this complaint serve as my authorization for the Consumer Financial Protection Bureau to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had a lot of transactions with XXXX over the years but lately, for no reason, it takes a tremendous amount of time to transfer money to an account that has been used many times before with an acceptable transfer time of 2 - 3 days but out of nowhere, it takes forever. 
Just finished talking to a customer representative and their partner claims to do maintenance on their system- for 4 days- is that believable?

Company response to consumer: Closed with explanation