vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I have sent certified letters to this company and A level 3 HIPPA violation was committed. A level 3 violation is '' an offense committed with the intent to sell, transfer, or use individual identifiable health information for commercial advantage, gain or maliciaous harm. Violation of Subtitle D of XXXX Sec XXXX ( Application of Security provisions and Penalties to Business Associated of Covered Entities ) Violation of Subtitle D of ARRA Sec 13407 ( 1 ) Breach of Security ) Liable for penalties under the HITECH ACT PQD SERVICE INC is in clear violation of HIPPA ( ... no permissible business purpose in divulging protected health info to anyone on an account ) should you ever inquire, report, update or verify anything on the credit report. I am asking you to have PDQ SERVICES INC located at XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX delete all information they have furnished to any and all credit bureaus and destroy any information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection. I will file a formal complaint to the XXXX XXXX  and the XXXX XXXX against your company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notified TransUnion about inaccurate information on my credit report. To date, now 45+ days, they have failed to send me any notification about the status of my requests to verify and/or remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I started the refinance process late last year with Wells Fargo. We were supposed to close early In XXXX. The Wells Fargo said to not pay the XXXX mortgage which I didnt. Wells Fargo was not ready on the date and moved the closing out 3 times the latest date was XX/XX/XXXX. Last week on the XX/XX/XXXX they told me to make the XXXX payment, which I did that day. They just came back to say that because I paid my payment 30 days late VA will not allow the loan to close. I didnt pay per XXXX XXXX direction, and paid when they instructed me. Do I have any recourse?

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 2021-03-10 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: AL

Complaint narrative:
The account with XXXX XXXX is reporting inaccurate information that I have disputed several times. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Equifax did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, My home equity line of credit was sold by XXXX XXXX XXXX, to Specialized Loan ServicingXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, XXXX ) My account was issued the number XXXX, and later changed to XXXX, under the name of XXXX XXXX XXXX. I kept the loan with them until XX/XX/XXXX, when I refinanced through a different company, and the loan was paid off. during the time I was with them, I regularly made my payments each month< and was never late. I even overpaid. The only delay in payment, was in XX/XX/XXXX, due to them, updating their system, and changing my account number. They would not let me make one for a couple of weeks. As soon as the process was finished, I resumed payments. I recently received notice through one of my creditors, that they were raising my rate, due to a delinquency on my credit report through XXXX. Upon investigation, appears that Specialized Loan Service listed many months of delinquent payments to my account. I have documentation from XXXX XXXX showing where each payment was made and received each month, with no delinquency. They even stated to XXXX on a recorded phone call, during the refinance, that all my bills were paid on time. This has severely damaged my credit, and increased costs due to interest rate increases. Copies of monthly payments are attached.

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
My husband 's ex employer said they overpaid him for paid time off that you took and they took the whole amount out of our check with made an overdraft the bank covered it and then left us with {$15.00} in our account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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 — Investigation took more than 30 days
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Plus Inc
State: FL

Complaint narrative:
loan with XXXX XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent Annup # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even XXXX serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( Bridgecrest ) These have been reported as 30 days delinquent, I was unable to make the payment due to pandemic crisis that happen, not at fault. I lost my place employment so it had begin to become extremely hard to keep up with bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates, LLC keeps reporting a debt I never had with them and I received a letter stating that the debt is too old to collect on but they keep reporting this debt on my XXXX and XXXX XXXX reports which are giving me a low credit score and I am unable to obtain credit. They are reporting 2 credit card debts that I never had and the debts are old. They keep calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/2021, I contacted Goldman Sach Bank via the internet about a debt consolidation loan for {$20000.00}. However, on the loan application step 1 states that this application will not effect your credit report. So I began filling out step 1 and made it to step 2 and gave them my birth date and I believe my last 4 digits of my social security number and then I tapped accept to view the terms of the loan not to actually get the loan. I never finished the loan application process because of the false advertisement on step 1 saying : " This will not effect your credit ''. Then within seconds of me giving Goldman Sach Bank loan application my birth date and the last 4 digits of my social security number, I received a notification from XXXX XXXX that a hard inquiry was on my XXXX  credit report from Goldman Sach Bank. I immediately called Goldman Sach Bank and explained to them what just happened and that it was not right for them to pull my credit report because I never finished the actual loan application process and that step 1 specifically states that this will not affect my credit. Goldman Sach Bank said that it was not anything they could do about it because I accepted the loan. I explained to Goldman Sach Bank what step 1 said and that I never even finished the loan application process steps and that I only tapped accept because I thought it was only to view the terms not to actually accept the loan and the reason I don't want the loan again is because of the false advertisement on step 1 and them pulling my credit report before I even finished all the steps. I called XXXX credit report company and explained to them what took place with Goldman Sach Bank and they told me to call Goldman Sach Bank back and ask them for a letter of deletion so I could get the hard inquiry off of my XXXX credit report ( I have a XXXX  file number for this incident ). However, I did call Goldman Sach Bank back but they refused to provide me with the letter of deletion. So I called XXXX back and explained to them what Goldman Sach Bank said and they told me to contact CFPB about obtaining a FTC report and that the FTC report would be a replacement document since Goldman Sach Bank would not write me a deletion letter document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
As of XX/XX/2021 I have a new lender Mr. XXXX loan # XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

On XX/XX/2021 I made my first payment online for {$2500.00}, I received a confirmation email from Mr. Cooper acknowledging my payment. 

I called twice during the month of XXXX letting them know the funds had not been debited from my account both times they told me due to conversion it would take a few days. 
on XXXX XXXX I went online to make my XXXX payment and it states I am past due for XXXX, I need this issue taken care of I do not want to be charged a late fee or a bad mark on my credit report on my first payment, I had plenty of funds on my account. 
XXXX XXXX XXXX XXXX ROUTING XXXX, today I called and they said I need me to prove I had funds in the account, that is so unnecessary but I have attached proof the they were plenty of funds on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I am trying to solidify my loan for a home, however I recently discovered that I paid a debt through Pheonix Financial which was never taken off of my credit history. My loan advisor has told me to reach out to them about the issue, which I have done. Now it shows that I have two, identical accounts with Pheonix financial, one of which is paid off but now somehow the other is not, even though the accounts represent the same collection ( which was paid ). When I contacted Pheonix financial services about the issue they sent me a document to resolve the issue with my loan advisor, however the document was not in the proper verbiage. So I reached out to Pheonix financial for a third time to request a different verbiage on the document, which they informed me that it was not possible to do on their end. The account in question is regarding Phoenix Financial Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I received a response back to my prior complaint to First National Bank of Omaha and XXXX XXXX from the office of the President at the company has clearly stated that they are not following their own policies set in place. 

1. XXXX stated the available amount for a balance transfer is {$5300.00} and I was approved for more, which means they never established the type of account I requested. They opened a regular credit account, which is not what was requested. 

2. She states they are subject to their approval. I should not have been approved on an application that was missing information. This is fraudulent account creation when all application information is not complete. 

3. She stated, " If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. '' They did neither, so again, this is a fraudulent account and should not have been created. 

I would like to know when they will be correcting my credit report for the fraudulent account that they created in my name on a partially completed balance transfer form that their agents should have declined or reached back and requested more information. 

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 2021-03-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days, and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: IL

Complaint narrative:
I sent my 1st letter disputing inquiries back in XX/XX/2020 to Equifax and XXXX. I never received a response in the mail and I also called to verify Equifax received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from Equifax and XXXX that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know Equifax and XXXX are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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:
I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE

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 2021-03-10 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: CA

Complaint narrative:
THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with CFPB case # XXXX regarding Lexis Nexis reporting false information to the three credit bureaus about a chapter XXXX bankruptcy they say I had in XXXX. This incorrect reporting has resulted in my credit being damaged, and has prevented me from being able to purchase a home. 

On XX/XX/XXXX Lexis Nexis responded to the complaint stating after re-investigation they had removed the chapter XXXX bankruptcy case number XXXX satisfying there obligation under the FCRA. They go on to say that on XX/XX/XXXX, a resolution letter along with an updated copy of my consumer report was mailed to me for review. 

On XX/XX/XXXX I received the resolution letter ( see attached ) in the letter Lexis Nexis states after re-investigation, Lexis Nexis found that the disputed record on my report prepared by Lexis Nexis XXXX XXXX XXXX XXXX is accurate as reported. In addition to this they never provided an updated consumer report. 

I need to have this investigation re opened. Lexis Nexis is not only in violation of Federal Law which clearly states that an individual can not file chapter XXXX twice within 8 years. I filed in XXXX, therefore according to law I can not have filed again in XXXX. In addition to it being the law, I also provided a letter from the XXXX bankruptcy court that clearly stated I could not file chapter XXXX because it is within 8 years. 

I am perplexed at how a company like Lexis Nexis can get away with direct violations of Federal and State Laws and still be allowed to continue in business. My next complaint is going directly to an attorney to file a civil suit against them with regards to the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote a check for {$100.00} on XX/XX/2020. On XX/XX/2020, I noticed that this check was altered/washed for {$300.00} by an unknown person. 
Called the institution, filed a claim with an affidavit provided by them. Paperwork was received by them. They assured me that it will take some time to investigate. 
Toward the end of XX/XX/2020, they told me that {$300.00} will be credited to my account after the holidays. 
Nothing happened. Now they are saying that the claim was not filed in the timely manner, so they are denying my claim. Of course, its not true.

Company response to consumer: Closed with monetary relief