vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franks Adjustment Bureau, Inc.
State: WI

Complaint narrative:
Date not known {$730.00} Company indicates unverified amount in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Exeter Finance, LLC.
State: MD

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 2021-03-01 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: Possible Financial Inc
State: MD

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 2021-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
Loan Paid Off XX/XX/XXXX Will not send title.

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 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The company approved me for a loan of {$20000.00} and then proceeded to waste my time by claiming they couldn't verify my identity because I was unable to provide a utility bill at the address where my license says I reside. I gave them a driver 's license, social, and company vehicle registration ( I own the company ). 
I explained that I live with my friend. His parents own the land and the utilities are in his name. They took my information and then reset my application back to as if I had submitted zero documents. I am getting the run around from customer service like I'm not submitting documents properly. 
They " can't verify my identity '' but having a credit card and paying it off on time every time was okay for them.

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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: OH

Complaint narrative:
My debt was resolved but it is still appearing on my credit report and the debt collector continues to contact me attempting to collect the debt. The debt is still appearing on my credit report because the company is attempting to collect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance 10 XXXX XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 1 yrs, 1 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name 10 XXXX XXXX XXXX -- -- -- -- -- -- -- ITEM IN DISPUTE : PENN CREDIT CORP 10 XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 

CONTACT INFORMATION PENN CREDIT XXXX XXXX, PA 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 2021-03-01 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:
On XX/XX/XXXX or XXXX, XXXX, I went into XXXX XXXX XXXX XXXX  XXXX and worked with XXXX who completed an application for a balance transfer from the following : XXXX XXXX XXXX Amount due on the account as of today, XX/XX/2021 : {$12000.00} The goal was to move my debt from XXXX to XXXX. XXXX took extra time to confirm her log in, talk to a colleague to make sure a balance transfer was an option and find the place in her documentation on where she needed to click or go to make it happen. I have 100 % confidence that XXXX completed the application properly. 

On XX/XX/2021, I received an email saying I was approved and would get cards and info in the mail in 10 business days. On Friday, XX/XX/2021, I received the cards in the mail. 

On Monday, XX/XX/2021, I called the number to activate the cards and listened to the balance, expecting to hear that I had a balance of {$12000.00} due and the new due date. I was shocked when it said the following : Available credit : {$5900.00} Balance due : {$0.00} I immediately called the customer service number at XXXX. I spoke to XXXX and asked to speak to a supervisor. 

XXXX, a supervisor for First National Bank of Omaha got on the phone and I explained they had made a mistake. My application was for a balance transfer and not new credit. If I wasn't going to be approved to transfer the {$12000.00}, I would have expected to be notified and then given the option to not take the partial credit amount or to choose to transfer the partial balance. He said he didn't see anything that said balance transfer on the documents. I explained they have made a mistake somewhere. 
XXXX. 

I then asked XXXX for a callback to advise what they were going to do to fix the problem and he said he doesn't do callbacks and just can cancel the card. I told him my credit would be adversely affected by opening a card and then cancelling it immediately and they need to either increase my limit so I can transfer the balance of over {$12000.00} from XXXX or they need to cancel the card and pay to fix any error or issue that adversely affects my credit report and make it whole again. XXXX said " I am sending this to the concerns department. I don't know what they will do or if they will reach out. '' How do you improperly open a credit card account and then not follow up with someone when there is a complain about it? 

The call was started at XXXX CST. They came on the phone at approximately XXXX CST and the call occurred on XX/XX/2021.

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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
Transworld systems Inc. Mailing me collection notices for creditor I have never worked with and a debt I have never incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: MN

Complaint narrative:
Had a issue with XXXX got the ag involved XXXX fixed transunion refuses to accept accept the mistake and fix it

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
we were suppose to get {$90.00} back on our sams club mastercard as cash back rewards for the year.. the customer service person and then the store manager in XXXX ga said we were not entitled to this amount because we did not renew our store membership in person by our annual date of XX/XX/20.. we have had this card forever and have never had a problem renewing. because of covid we were not going into any stores. we did finally go into the store on XX/XX/20 to renew in person at which time we were told that we would not get the cash back reward. 

Funny, our membership still shows our membership date of XXXX. the more i think about this the madder i have become and wonder if XXXX XXXX XXXX has treated everyone like this during the covid epidemic. That means they have pocketed a great deal of cash back, americans/customers we are entitled to receive and basically fraud.

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 2021-03-01 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX reported me late time after time. I missed one covid payment and was always current and they kept reporting me late. Now i can no longer get a refinance, i am totally current

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 2021-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Company of complaint : Navient Date of complaint : XX/XX/XXXX I am 1 day past my grace period for my due date on my private student loan and Navient has called every single hour on the hour. They have already spoken to the co-borrower of this loan and they were very rude in the manner of how they spoke to him. He let them know I was the one who took care of this account and they told him he is responsible for this account and its extremely past due. Which it is NOT. they continued to call every single hour on the hour after speaking with him - I answered the and they hung up the call at XXXX on XX/XX/XXXX and called the co- borrower again. This is harassment. This is not the first time this has happened when my loan was first transferred from Sallie Mae to Navient I asked they do not contact the Co- Borrower and they refused my request. The Co- Borrower has also requested they do NOT contact them and they do not respect that. According to the FDCPA they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
XXXX XXXX is reporting a collections account from XXXX XXXX XXXX ( utility ) that was already paid to XXXX. They then reported to the credit bureaus that the collection was paid in full. This is inaccurate. I never paid them and they are still reporting a collections to the credit bureaus. I have disputed this with them and the bureaus and XXXX XXXX refuses to remove the inaccuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Westlake Services, LLC
State: MD

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 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 2021-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is the second complaint of this kind. Navient reaches out to random associates of mine some of which I haven't spoken to in decades. These individuals are not listed as references and I have zero idea on how they obtained their information. One went as far as to share this message on social media account. They have shared information about my account with these individuals. I requested via email on XX/XX/2021 which was confirmed received that they have been harassing individuals on my social media that are in no way on any of my applications requesting it to stop and I still receive messages that it is continuing as of today XX/XX/2021. I also explained I work at a XXXX explaining why it would be difficult to reach me by phone and it still continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX., in accordance with basel 3 accord and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: LEXISNEXIS
State: TX

Complaint narrative:
I've sent a previous dispute to LexisNexis for a bankruptcy that they said they've verified. Under the FCRA I sent them a " Procedure Request '' asking how they've verified this information. I received a letter from LexisNexis stating they couldn't verify my identity. 
Which I thought was strange seeing how I added a notary including my driver 's license and social security number ( including information on the procedure of request page confirming my identity as well. ) It seems as if LexisNexis is being non-compliant of the Federal laws. 
I added plenty of information for LexisNexis to carry out the " Procedure Request '' which I have a right to as the consumer to ask for this specific documentation. It's very clear that LexisNexis rejected my request. This is a violation of the FDCPA. 

Additionally ; LexisNexis stated they've verified this information ... How is this possible when the US Bankruptcy courts said 'THEY DO NOT VERIFY OR REPORT THIS INFORMATION WITH ANY OF THE CREDIT REPORTING AGENICES?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a dispute with Citibank that was supposed to take ten days to issue a provisional credit or supply me with a result. It has been completely mishandled and I can't even get correct information from the dispute team. They provided me with the wrong dispute number and incorrect information to put on my customer statement that I faxed in. Whenever I called to follow up, they stated that it was being worked on and in process. It was not being worked on because the Dispute back office was never received the information as the dispute number was wrong. 

I spoke with a supervisor on XX/XX/2021 who corrected the dispute number and then gave me the email to send over my statement with the information I needed to have on it. He forwarded the complaint about the handling of this issue. He also sent over an emergency expedite request. The original dispute was filed on XX/XX/2021. The correct dispute number is XXXX. 

I called the dispute line today and I am still getting incorrect 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 2021-03-01 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: UT

Complaint narrative:
XXXX XXXX was opened on XX/XX/2020. On XX/XX/2020 it was disputed and the Card company updated paid, closed, /never lated. On XX/XX/2020 it was disputed again and the card company stated " The creditor agreed to delete the this account ''. As of XXXX first the have not deleted the account. Ive called them several times to report it as fraud. they have been no help to me.

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 2021-03-01 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Open Dealer Exchange, 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 2021-03-01 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: TRUIST FINANCIAL CORPORATION
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 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 2021-03-01 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: CL Holdings LLC
State: CA

Complaint narrative:
Im reporting Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX and there reporting I owe XXXX from an account that is not mine and I have no recollection of this account or where this came from I contacted and spoke to a representative about this issue and they admitted on a voice recording that they dont have proof to show that I owe this debt now under law and the fair credit reporting act Im requesting that they remove this account from my credit if they dont have proof that this is mines and they admitted also on recording they dont have proof which is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
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 2021-03-01 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: Consumer Portfolio Services, Inc.
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 2021-03-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I was the owner of two XXXX Nissan XXXX 'XXXX Both were Totaled due to accidents One was totaled in XX/XX/XXXX and the other in XX/XX/XXXX The vehicle totaled in May still shows a balance on my credit report of {$1500.00} When I contacted Nissan for them to prove the Debt they told me they would not provide any information and keep sending me to a collection agency whom also can not prove the validity of the Debt Furthermore when a new car was purchased the new dealership rolled any negative equity into the new loan payment and also a large cash deposit was made to reduce the negative equity I have never received any information from Nissan proving the validity of the {$1500.00} debt owned to them on my credit report NMAC ACCT # XXXX VIN # : XXXX {$5700.00} WAS PAID TO NISSAN MOTOR ACCEPTANCE IN XX/XX/XXXX I have contacted Nissan several times and they will not provide any information to verify the Debt

Company response to consumer: Closed with explanation