vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Each month my payments are being held for extended periods of time. I have made consistent paid in full payments throughout the time I've had the card. The issuer continues to hold the funds long past the time the funds are collected from my bank account. The most recent event is as follows : - XX/XX/2021 : Made payment for {$1800.00} - XX/XX/2021 : Funds are withdrawn from my checking account - XX/XX/2021 : Called customer service to discuss the issue ... nothing was done - XX/XX/2021 : Funds are still not available for use This is a consistent pattern with the card issuer and I would like for it to be resolved. When the funds are collected, the funds should be made available.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2021 we had a notary sent to our house and signed closing documents stating that we would be closed, finished and receiving {$28.00}, XXXX back. We followed up multiple times to find out when this money was coming, and after a week they told us that they re-ran our credit and saw that we started a new lease on a car. 

Our old lease expired so we had to get a new lease. This lease was taken out XX/XX/2021 ( a month before closing ). They waited until after closing to run a credit again. 

They have asked for the same documents multiple times and keep siting that the need these documents. They ask for quarterly statements that show we have enough money to cover this lease. We have provided this 5 times - the most recent quarterly statement is from XX/XX/2021. We have sent this 5 times since XX/XX/2021. 

We send it. They say its accepted. Then they ask for something else, and when we send that - they ask for the quarterly statement again and keep saying it is not recent enough - it is the most recent statement available from anyone. We have also updated them MULTIPLE times with current daily balance directly from the retirement account. 

This is all stuff that should have been handled prior to closing - and we have provided what the underwriters keep asking for MULTIPLE times. They are asking for documents - we are providing - they are refusing. 

We are now 5 weeks passed our closing when we signed papers and they refuse to close and hand over our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This is my 2nd complain for same issue as New rez couldnot determine who is responsible for my raising of monthly paymnet of escarrow. New rez replied on my previous complain XXXX but never said who is repsonsible for this. new rez increased my ezcarrow paymnet without my consent then who is responsible and why My increased paymnet is declining my refinace status now. 

Please determine and let me know who is responsible for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper /Nationstar Mortgage add mortgage insurance in mid 2020 when no insurance was necessary. I called and no one could explain why it was added. A review was initiated and after several months the insurance was removed. I continued paying the mortgage amount minus the mortgage insurance. I was not aware that they were considering the payment as not paid in full. We just finished a Chapter XXXX bankruptcy in XXXX and I started looking into refinancing. This is when we found out the mortgage was considered late/not paid in full. I called and was told the only way to stop it being considered not late was to pay the overdue balance which I did in the amount of {$500.00} plus, which should have been removed since mortgage insurance was not required. Still waiting to hear back from claim we submitted to get that money back. Now Nationstar has added additional fees to the mortgage that my bankruptcy attorney is working on but it is holding up our discharge in addition to my refinance because I can't the document needed stating payments have been on time and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I purchased three items via XXXX. I returned all three items and XXXX took over two months to finally refund my personal debit card, however, my credit card was refunded, but I am being charged two late fees. Commedity Bank is saying that I am still responsible for the late charges even though it was XXXX that did not refund me in a reasonable amount of time. They refunded me one late fee with interest, however, they are refusing to refund me my second late fee, since the only reason it was late due to XXXX not reporting to the account. I don't understand why I would be charged {$50.00}, when the account balance should have been credited to XXXX. I would like to dispute this charge and get the balance to {$0.00} so that I can close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Beginning Balance {$320.00} on XXXX XXXX a online payment to credit card {$78.00} and a Check # XXXX {$240.00} Total {$310.00} Both on XXXX XXXX Funds {$320.00} is Enough to cover. 

On XXXX XXXX in Branch/Lobby personal visit to Deposit with Cash withdrawal of Government Stimulus check receipt enclosed. Bank teller Did not inform me that a cash withdrawal from deposit of stimulus check " could not happen/able only a deposit '' at this time '' Teller responsibility/job duties when " depositing check '' and/or in Customer account/management. 

On XX/XX/XXXX Same day ( deposit and cash withdrawal ) FEE '' S 4x happened : " Force post Debit - {$37.00} times Three ( 3 ) and another FEE for " return check '' {$37.00} TOTAL {$140.00}. 

On XXXX XXXX *Over Draft fee refund " {$74.00} see email dated XXXX XXXX @ XXXX after speaking to Customer service XXXX XXXX she said ( recorded message/phone call that she is only able to credit TWO Fee 's -other TWO fee's- would have to be done by personal visit to Branch Visit assist manager XXXX could only do /access one credit of Two/ '' tools not able computer '' - I asked to have XXXX XXXX phoned XXXX about issue- again only access credit one- I called my XXXX to TCF customer service unable to reach XXXX and phone call hung up upon, Next day called again customer service " chat with XXXX '' with employee says again credit and Nothing happened to credit my account of the Two remaining charges of Fee 's to my account- this/was a Recorded phone calls and TCF/XXXX bank are Denying '' what was said and refuse to correct the remaining fee 's. 

I have XXXX out of " overdraft fee 's and " returning a Check # XXXX and credit card payment ( overdraft charges *Are Not my mistakes nor are they " non sufficient funds available issue- These Fee 's Non allowable/fraudulent and misleading. I want other TWO Fee 's returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 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: NC

Complaint narrative:
I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
Upon review of all 3 of my credit reports, I found an account listed under Vance & Huffman LLC. I have no business dealings with this company, no contract and no signed agreement showing I have purchased anything. I have initially reported this to XXXX who has now completed their investigation with the findings of this account being a result of identity theft, this account has now been removed from my XXXX file. I am now showing this account listed on my XXXX credit report listed under amount of {$5200.00}. Please review the results from XXXX and take action to remove this inaccurate account from my XXXX file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was chatting with a rep online with NMAC by the name of XXXX. I was simply trying to check the status of insurance check she tells can not locate an account with vin number or Social Security number this is senseless if the rep can not do her job locating information. I try calling but phone lines are down. I dont understand how she can not locate an account with my ssn or vin number that is on my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX of this year I was notified that Nexus Lexus put false information onto my driving record without a correctly investigating. I reached out to XXXX XXXX  who handled the claim and received proof that I was not at fault. Nexus Lexus IS now ignoring my request to investigate proper information. I have reached out to them several times and no response. Please help. I am paying hundreds more on car insurance and its not my fault. I have also reached out to the XXXX of Ohio to try and fix and they said, they dont handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing unauthorized inquiries on my credit report since XX/XX/XXXX. I have disputed continuously with all three bureaus on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I still have not received a response from the bureaus, this is unacceptable! XXXX XXXX and Experian need to be held accountable for what they're required to do BY LAW and respond to my disputes as well as needing to have these items removed from my report as this is 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 2021-04-08 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
In or about XX/XX/2019. The VA sent me ( I'm a XXXX veteran ) to XXXX XXXX XXXX in XXXX XXXX to get an X-ray. They sent me there because facilities at the VA Clinic in XXXX XXXX Florida were not available for the test at that particular time. 
I am eligible to have 100 % of my medical bills paid through the XXXX  and they intended to pay the bill for this service. 

Although I do not use Medicare, I have the regular 80 % coverage. I have it only as a back up plan and do not intend to use it as long as there is no problem using the XXXX  ( which is superior coverage ). 

When I did the intake at XXXX XXXX I informed them I was a XXXX Veteran gave them my paperwork from the VA and presented my VA ID. for them to receive payment. 

VERY IMPORTANT : I never told them that I have any Medicare coverage or that they should use medicare to pay this bill. The Hospital knows that my VA ID is the same as my Social Security Number. 
The next thing I found out after a couple of months was that XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX had charged Medicare for the bill and had been paid except for the 20 % of the charge that is either paid by the patient or the patient 's supplemental insurance. 
Since this occurred I have been in contact with XXXXXXXX XXXX XXXX XXXX, the VA and the Collection Agency. Everyone agrees that the VA stood ready and willing to pay this bill but nothing happens and it appears as a {$180.00} collection on my credit report with XXXX, credit reporting agency. 

This is a error from XXXX XXXX XXXX XXXX. Professional Adjustment Corp ( collection agency ) is not presently dunning me but will not remove this item from my report. 

XXXX XXXX XXXX XXXX is either lazy or a little bit evil. I want this item removed from my credit report. It should not be there and I don't owe it. 

XXXX 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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: OR

Complaint narrative:
Receivable Management Services, LLC Has in credit report on a bill that should NOT be there. They cant track down the account number or information. I have disputed with progressive about this. Had account canceled a month before. Got new coverage and coverage had told me that theres a lapse in policy due to no coverage my rate was higher now. Debt should not have been billed to me if there is a lapse in coverage month before had been paid off. ( because account was closed! ) I have emailed RMS about this and they cant find an account with this information and cant help.

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 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
The money that was on my cash app was for my mother over {$1000.00} is missing I want my money for my mom she just had XXXX XXXX cash app did not care nor did they try to even come to a resolution please help me so I can help my

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I called Navient ( XX/XX/XXXX ) in response to an email notification that my student loan payment was increasing to {$360.00} a month, I am 71 years and employed, but my net salary is XXXX per week. I called Navient and was transferred to a representative with XXXX XXXX who advised me I qualified for a payment plan that would greatly reduce my debt over a 10 year period. The agreement was I pay {$170.00} per month for 6 months and then {$40.00} per month thereafter for the remaining period and Navient and XXXX XXXX ( who I was also getting collection calls from about my student loan balance ). The first payment was deducted from my bank account on XX/XX/XXXX, XXXX ( XX/XX/XXXX ) I received an email from Navient stating a payment of XXXX was done on XX/XX/XXXX. I called Navient and provided the information about my patent plan with XXXX and was told XXXX was a third-party collection company perpetrating a collection scam. I was advised to contact my bank and dispute the {$170.00} payment and contact Consumer Financial Protection Bureau to report what had occurred. I also contacted XXXX XXXX  to let them know what Navient had said and was to that XXXX Financial had filed IDR papers with Fed Loan. I asked for a copy of whatever was filed on my behalf because at this point I do not know what to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experians make customer try their services in order to check their credit report. I had a 30 day trial for free. After checking my report I emailed and called to cancel the trial. Today I was charged for the trial even though I requested for it to be cancelled. When I called Experian today they told me there was no membership under my name. I want to be refunded my 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 monetary relief
Consumer complaint received 2021-04-08 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: NC

Complaint narrative:
I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks

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 2021-04-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks

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 2021-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I 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