vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
This company received my request to validate the debt for {$1100.00} on XX/XX/XXXX with tracking # XXXX. When I pulled my credit report they did not furnished my account that it is on dispute. I sent another letter that they received on XX/XX/XXXX with tracking # XXXX. I have been sending them follow up letter regarding this account and they only sent me couple of letter without providing a valid proof that I owe the debt. Aside from that until now it's not furnished as being in dispute and it's been 2 years! I have also tried to challenge the accuracy of the reporting in Transunion but they removed it. How come it's still reporting in my credit report even without validating this debt properly.

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 2021-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Dept. of Ed/Navient is reporting unverified student loan accounts on my credit report. I initially contacted them, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the accounts belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Navient responded to my request for a signature bearing document with a letter ( See attachments ) stating they no longer service the loan and that it was being serviced by another company called Default Services Group. When I contacted the Default Resources group to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. 
Information reported by the 3 major Credit Bureaus in regards to the accounts on my credit file vary greatly from one agency to the next and makes it very difficult to trust the validity and accuracy of the information provided by the Dept. of Ed/Navient, and the three credit reporting agencies. ( XXXX, XXXX, and XXXX ) Case in point my credit reports from XXXX, XXXX, and XXXX shows the payment history of the Dept. of Ed/Navient accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a Default Services Group ( since XXXX ), and/or XXXX XXXX XXXX, and was no longer being serviced by Dept. of Ed/Navient ( see Attachments ). Also the dates and amounts reported to the 3 Credit Bureaus vary depending on which agency is reporting. 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified and the law is very clear on this matter and states that information reported on a credit report MUST be ACCURATE. In this case the information is not. Yet these unverified accounts remain on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ). 
All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: CA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am very sorry to have Home Depot Credit card. I will not buy anything from Home Depot period. They tell people no interest for 6 months or 12 months with out telling them if you can not pay in full during this period you will be charged interest for whole amount you borrowed regardless how much you paid. Just not for the remaining balance, Even you only owe XXXX cents. Their interest is also out of the world. I request everyone to file a complaint with Federal Trade Commission about this predatory and foreign policies. 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 monetary relief
Consumer complaint received 2021-09-07 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: MI

Complaint narrative:
On XX/XX/2021 I disputed a Bankruptcy listed on my TransUnion credit report online and via certified letter describing that the Bankruptcy does not belong to me, it's someone with a similar name and the dispute came back to me on XX/XX/2021 verified as accurate and remained on my credit report adversely affecting me as I am trying to secure a home loan and this erroneous information is compromising me. I wrote a letter to the XXXX District of Michigan Bankruptcy court county clerk, as was told that " The XXXX District Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. I sent a follow-up letter to TransUnion asking them to tell me what steps were taken to verify this bankruptcy and who did they verify it with, Transunion is violating my rights under the FCRA It is the policy of all bankruptcy courts to not report any information to the credit bureaus.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: OH

Complaint narrative:
On XXXX, XXXX I received my XXXX XXXX to my Money Lion XXXX XXXX  account in the amount of {$520.00}. On XX/XX/XXXX, I lost my phone and then shortly after was XXXX .These funds were debited on XX/XX/XXXX and I was currently XXXX at the time this unauthorized transaction to an unknown XXXX XXXX occurred. When I got out on XX/XX/XXXX, I opened my mail and had a letter from the IRS stating that my funds were deposited to that account. I get on my XXXX XXXX online banking and see they were there but were gone. I instantly filled out the written dispute form and submitted it to Money Lion at XXXX on XX/XX/21. So after 10 days goes by and Im due for my provisional credit on XX/XX/21, I called into Money Lion and during the call/calls I was lied to and hung up on by a XXXX, I was told that they are still waiting on a update from the dispute department and they would escalate my issue. I receive an email on XXXX from a customer advocacy XXXX at Money Lion stating that they are actually closing my account and Im no longer eligible for one. So they violated XXXX XXXX and didnt provide me the credit they are federally required to do if they couldnt complete their investigation. And on top of that because I proved a XXXX  wrong saying that a provisional credit isnt mandatory, when it is in the circumstances. They closed my account and now Im out of my money. I want my money returned. Any time someone disputes anything with them its a headache receiving your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I landed at XXXX XXXX XXXX XXXX in XXXX XXXX. I attempted to withdraw cash from the ATM at XXXX bank at that airport using my debit card from Bank of America. 

The ATM did not dispense the cash, and I ended up exchanging some dollars at a cash exchange business nearby at the same airport. 

When I came back to the United States after vacation and reviewed my bank statement, I noticed XXXX had charged me {$320.00} plus {$5.00} ATM fee. I immediately started a transaction dispute with Bank of America about the fraudulent charge on my statement. 

Bank of America investigated and declined my dispute, citing I used my card to withdraw money. 

This is not fair.

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 2021-09-07 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: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!

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 2021-09-07 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021 an order was placed on a pay pal account by a company from XXXX. ON XX/XX/2021 Pay Pal was contacted because money was withdrawn from my account and no merchandise was received. Pay Pal was unable to provide any tracking number because no order existed on that date other than the XXXX company that had a fake number and email address. My bank was contacted who took over the investigation and they lodged a complaint on XX/XX/2021. Pay Pal provided false documentation from XXXX XXXX stating that some merchandise was sent to my home with a fake tracking number for XX/XX/2021. I contacted XXXX XXXX and the tracking number did not match my name or address. I contacted Pay Pal and they continued to lie to me and provide false information and continued to disconnect me from the calls. I then participated in a three way conversation with Pay Pal and XXXX XXXX  in which Pay Pal admitted to providing the false documentation about XXXX  XXXX and that no merchandize was sent to my home and yet they still charged my account. Pay Pal stole {$79.00} from my account and I want it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: MI

Complaint narrative:
On XX/XX/2021 I disputed a Bankruptcy listed on my XXXX credit report online and via certified letter describing that the Bankruptcy does not belong to me, it's someone with a similar name and the dispute came back to me on XX/XX/2021 verified as accurate and remained on my credit report adversely affecting me as I am trying to secure a home loan and this erroneous information is compromising me. I wrote a letter to the Eastern District of Michigan Bankruptcy court county clerk, as was told that " The Eastern District Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. I sent a follow-up letter to XXXX asking them to tell me what steps were taken to verify this bankruptcy and who did they verify it with, XXXX is violating my rights under the FCRA It is the policy of all bankruptcy courts to not report any information to the credit bureaus. The company Lundquist Consulting , Inc. is providing XXXX with false information about a Chapter XXXX  Bankruptcy that doesn't belong to me they are in violation of 1 15 U.S. Code 1681e - Compliance procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank XXXX XXXX XXXX  Target. File a complaint summons without offering me notices or letter to work with me regarding this account. Their lawyers harrass me by constant phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I already reached out to the credit bureaus ( XXXX XXXX  and XXXX  ) and to NISSAN MOTOR and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment and Date Open are misleading and inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: V and H Portfolio
State: GA

Complaint narrative:
I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself!

I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Thank you for submitting the requested documentation to verify information on your account. We are not able to complete our review at this point and further action is required of you. IMPORTANT : Your account will be closed on the previously communicated due date if you are unable to provide the requested, corrected documentation. 

While we received the documentation, certain aspects were either incomplete, illegible, or invalid. Below are common errors that can occur during the documentation submission process : Line 3 : Please review to ensure your current address has been accurately entered.

Line 4 : If you filed a tax return in the last 2 years with a different address than what is entered on Line 3, please fill in the previous address shown on that tax return. Otherwise, please leave this field blank. 


If you have any questions or require a new 4506-C form to be sent, please contact Discover Customer Protection Services at XXXX, or call the number on the back of your card. 

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services. 

THIS IS A RESPONSE I JUST RECEIVED FROM DISCOVER AGAIN. 
THREATENING TO CLOSE MY ACCOUNT. 

I FILLED OUT THE FORM. 

I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND BECAUSE OF THAT HAVE NOT FILED TAXES SINCE I BELIEVE 2010 WHEN I GOT APOROVED FOR XXXX. 

I FILLED OUT THE FORM AND DISCOVER EMAILED ME THE ABOVE RESPONSE. 

PLEASE HELP ME RESOLVE THIS I HAVE SUBMITTED MORE THAN ENOUGH DOCUMENTATION TO PROVE MY IDENTITY. 

BUT IT SEEMS LIKE DISCOVER IS HELLBENT ON CLOSING MY ACCOUNT. MAKE STATEMENTS THAT SEEM A RATHER PECULIAR. 

FIRST STATING I HAVE NOT FILLED OUT THE REQUESTED FORM AS THEY ASKED. 

I UPLOADED THAT TO SHOW I DID. 
NOW TAKING THE STANCE THAT ITS INELIGIBLE INCOMPLETE OR INVALID I UPLOADED MY XXXX  FROM IRS WHICH ALSO PROVES MY IDENTITY ALSO UPLOADED THE NEW EIN NUMBER BECAUSE I SWITCHED TO XXXX  I HAVE REQUESTED DISCOVER CONTACTS ME THRU THIS AGENCY. 

SO NO MORE GAMES CAN BE PLAYED OR SO STATEMENTS OF NOT BEING FILLED OUT ETC CAN ALL BE UPLOADED HERE SO THIS CAN BE RESOLVED. 

I AM ALSO UPLOADING SOCIAL SECURITY BENEFIT STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The Foreclosure memorandum i California ended XX/XX/2021 Select Portfolio Services clearly didn't follow the Foreclosure memorandum by sending my account to a foreclosure lawyer on XX/XX/XXXX I tried to make a house payment and they took the last two I gave but they denied me access to my online account to make a online payment I also called and the woman I spoke to told me i could no longer make payment my mortgage has been sent to a lawyer his mortgage server should not be allowed to practice in California for not not following the mandated State rules. They are trying to steal my house while breaking the law by sending it my mortgage to a lawyer on XX/XX/2021 My HUD representative said they are not following the California Foreclosure memorandum nor trying to work with their customers who have been affected financially by the Covid epidemic My HUD councilor told me to tell them if they would be patient and wait for Covid mortgage relief assistance I told her I seriously doubt they want to help anyone I tried in good faith to make my house payment and they denied me WHAT DOES THAT TELL YOU???? THEY ALSO TOOK IT UPON THEMSELVES TO PURCHASE HOME INSURANCE WITHOUT EVEN ASKING ME IF I HAD MY OWN ALREADY THEY JUST WANT TO ADD MORE MONEY TO MY ACCCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OKX INC.
State: MD

Complaint narrative:
The company allowed me to deposit money into an account after verification using my driver 's license. Once my money cleared, they removed my verification status and would not let me withdrawal any funds I had deposited into the account. I tried several times times to upload a picture of my license to meet the verification criteria, but realized that they would not accept any picture of my driver 's license now that they have my money. They refuse to give me access to my funds, will not close my account, and refuse to refund the money I deposited into the account in their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello and to whom it may concern ; I will begin by describing in detail the situation at hand. To start with, back in XXXX, we had a HELOC on our house. Despite the fact that we obtained this HELOC through XXXX XXXX, XXXX XXXX took over XXXX XXXX. When the real-estate market crashed in XXXX, we were forced to file for bankruptcy. After bankruptcy we contacted XXXX XXXX for a settlement, because the price of our house was much lower than what we seemingly owed. We offered them a certain amount of cash to settle this issue, but after a long delay we received a letter back stating that XXXX XXXX was turned over/sold to SLS ( Specialized Loan Servicing LLC ) and that from there on out we must communicate with SLS. 

After persistent attempts in contacting SLS, we finally received a letter back regarding our previous settlement offer to XXXX XXXX. The letter stated that we were no longer liable for the debt. They refused our cash offer in XXXX of XXXX. 

After this period, we had no other communication with SLS. Recently however, due to the current lower mortgage interest rate we decided to proceed with refinancing. During this time, we were informed by the finance company that there is a lien on the title from XXXX XXXX. We were completely unaware and shocked with this matter. Furthermore, we attempted communicating with SLS but our efforts were useless. We received absolutely no aid. Due to this, we hired a real estate attorney. Our attorney contacted SLS and according to her assessment, the lien actually has no value but SLS is refusing to cooperate and resolve the issue.

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 2021-09-07 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: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation