vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
Started from XX/XX/2020 until now and it was two the value of XXXX and it could be more I deal with XXXX XXXX XXXX and I don't have a receipt or all the purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TN

Complaint narrative:
I submitted a dispute to Transunion on XXXX disputing an account that was reporting in error. The account name is XXXX XXXX that is reporting errors on various platforms and TransUnion is reporting the information and has refused to fix the error. The errors are as follows : 1 ) It is reporting in collections 2 ) It is also reporting as past due 3 ) It is also reporting that payments are being made These inaccuracies are causing me financial harm I requested an investigation and they did not remove the account as requested due to the multitude of inaccuracies across various reporting platforms that they supply information to.

They are in violation of The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. They have failed to protect the integrity and privacy of my credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in my credit report and has failed to provide me with remedies if a credit reporting agency or information furnisher violates my 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 2021-10-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
1. I notified Navient by certified mail that three Tuition Answer Loans that I made with Sallie Mae had been discharged in bankruptcy and demanded that they ( 1 ) remove the accounts from my credit reports and ( 2 ) stop collection activity. I provided Navient copies of the Chapter XXXX Discharge, notice ( Creditor XXXX  ) reflecting that my federal loans made with Sallie Mae were held as priority and not discharged but that Sallie Mae 's private loan division did not claim a priority status for the Tuition Answer loans and that they were discharged. ( Audio at XXXX ) 2. I am submitting herewith an audio recording of conversations with a Navient employee who stated she was a supervisor in the private loan division. This audio recording demonstrates that Navient is continuing to make knowingly false reports to the CRAs about three accounts that have been discharged in bankruptcy for over a decade.

3. Three federal circuits have identified these particular loans as not only being dischargeable in bankruptcy, but the courts ' analyses highlight the predatory nature of the loans -- and Navient 's targeting of XXXX college students who are disproportionately students of XXXX  and/or students from historically economically disenfranchised groups. 
4. I am a law student and on XX/XX/2021, was denied a federal GradPlus loan based solely on Navient 's continued reporting of these Tuition Answer loans on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I will file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, Experian and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.

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 non-monetary relief
Consumer complaint received 2021-10-01 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This account is already PAID with no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MA

Complaint narrative:
This account is already PAID with no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting incorrect available credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had called the credit bureau, TransUnion, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to TransUnion to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall TransUnion and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to TransUnion 's po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This account is already PAID with no balance.

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 2021-10-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent National credit adjusters a certified debt validation letter. They signed it on XX/XX/XXXX. In my letter that I will attach, I ask for several things for them to valilidate. On the response letter, I also will attach it, they failed to verify any info I asked them for. They didn't supply anything. this account needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
Debt is reporting still on my report and I have requested for validation of this debt and verification, was told will be removed from report as no verification of debt was able to be provided..Debt have still not been removed and is still being reported. I have sense requested it to be removed and stop reporting inaccurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
I sent a letter informing them I never received anything from the origianal creditor in reference to this ( alleged debt ). Also I want to know how this collection agency ( CBE Group ) received my personal and private information. I never consent to 3rd parties receiving my personal medial information ( for collection purposes ) I always opt out of this. I believe this is violating HIPPA laws ; by this CBE Group illegally obtaining my personal and private information. Also this collection agency ( CBE Group ) are not the original holders of this debt. I believe the Fair Credit Reporting Act has laws about collection agencies illegally attempting to collect on debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX  loan number XXXX has been paid in full. Credit bureau still showing account as open.

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 2021-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I had linked my Marcus savings account to my XXXX in order to pay someone for a larger purchase ( vacation for a group trip, in which another person paid for the trip up front and we all had to pay her via XXXX ) and it was getting declined despite having adequate funds in the account. I called the customer service number, which was almost completely automated and made it extremely difficult to speak to a person. I spoke to a woman named either XXXX or XXXX ( I'm sorry I can't quite remember ) and explained the situation. She explained to me that I was not allowed to use the account for things like XXXX, paying bills, etc. I asked what the reason for that was and she reiterated that it just was not allowed and I could only transfer to another bank account. 

This seems extremely restrictive and there is really no good reason that I shouldn't be able to access my funds in any way I choose. This makes me especially anxious when considering Marcus has no physical locations. A transfer to my checking account takes a couple days and any other method that I might utilize my money, say by paying an urgent bill or unexpected expense is just " not allowed '' makes it seem like they are trying to implement rules for the sake of keeping the funds locked up tight. Although it is a savings, not a checking account, there are many, many conceivable reasons a person would need to access the funds in a way other than straight to a checking account. Further, it is not the Bank 's duty to police the ways in which a person can access their funds. XXXX nefarious activity, people should be free to access their funds in any way they choose. 
I'll be closing the account so it will no longer apply to me, but it should be noted that Marcus is being unnecessarily restrictive in their use of other peoples ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I first want to state this is the second time I am submitting a complaint here. This company is continuously failing on many levels regarding my mortgage. I would stay away as far as possible. My previous complaint is listed here : XXXX. It appears it's no longer in the database for whatever reason. 

I feel like I am being gaslit by the promises and continuous failings by this company. I get told conflicting information at every turn. 

In XXXX, I received a loan modification document with an incorrect interest rate from Lakeview Loan Servicing ( XXXX ). I had a prior agreement with my previous servicer for a loan modification after forbearance with an interest rate of 2.875 %. I gave Lakeview Loan Servicing the modification agreement from my previous servicer, and after a couple weeks, I received a phone call from XXXX XXXX or one of her associates that YES, they would honor that agreement. I would need to wait for the paperwork, but I would be fine. I agreed with those terms, and have been waiting since. Today is XX/XX/XXXX, so it's been more than 60 days. 

This is where Lakeview Loan Servicing has left me since my last complaint.

Since that date, I've spoken to 5 managers at Lakeview Loan Servicing, and every single one of them gives me a different answer as to why my issue is not yet resolved. 

I was told by XXXX ( User ID FGA ) that he would remove me from the dialer since I am being harassed. I'm still receiving phone calls at least 3 times a week. 

I can no longer log into their website. I am greeted with a message asking me why I am behind on my mortgage, but I can not select anything to progress. 

They do not post any documents to the customer page, so I have no way to verify anything I am told by the customer service reps or the supervisors. 

Today, and almost every day for the last two months, I have been harassed by phone or mail about my loan being past due when I'm unable to make a payment since they will not let me. I can not log in, and was instructed to not attempt a payment until the modification was complete. 

I never get a straight answer as to why I still do not have the loan modification documents yet, but I am constantly assured that I am still protected. I get answers from the supervisors that " The print team is working on this, but they are backed up with all of the other loans we're processing ''. So why today, do I receive a large packet that was clearly printed by a printer that is completely backlogged? 

I thought it was finally the corrected loan modification documents, but it was a large packet of you missed your house payment. Do you need financial assistance? This document was dated : XX/XX/XXXX.

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 2021-10-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent all three credit agencies a letter on XX/XX/21. It is now XX/XX/21 and i have not seen a investigation letter. It is more than 60 days. This is a misuse of my credit profile. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XX/XX/2021, I called into my mortgage servicer, Quicken Loans/Rocket Mortgage, about the end of my forbearance plan and reached XXXX. XXXX obfuscated the fact that I could take advantage of the XXXX XXXX  COVID-19 Payment Deferral program by implying that I would be eligible only for a loan modification until I asked him directly whether he was telling me that there was no way for me to take make use of the XXXX XXXX  COVID-19 Payment Deferral program. Even then, he was unclear, and I had to ask him, very specifically, " What would I need to do to be eligible for the COVID-19 Payment Deferral program? '' Either he was assuming that I wouldn't/could n't make two payments without actually confirming this fact by asking me directly, or he was intentionally making it difficult for me to ask for and use the XXXX XXXX COVID-19 Payment Deferral program. 

It turns out that, at this point, to be eligible for the XXXX XXXX COVID-19 Payment Deferral program I would need to make two mortgage payments ( {$2500.00} ) tonight, a fact that was never disclosed, alluded to, or addressed at any point during my " forbearance check-ins '' or at any point at all. 

It is unfortunately true that Quicken/Rocket similarly obfuscated the option to enter into forbearance early in the pandemic, when the option was first available. The only reason I was able to take advantage of the forbearance was that I had read extensively about the forbearance options being made available by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus Transunion , XXXX , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.

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 2021-10-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  loan XXXX number XXXX has been paid in full credit bureau still showing account as open and owed. Paid in full.

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