vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have a mortgage that is serviced by Shellpoint/New Res. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My XXXX credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the XXXX  credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Court ordered documents attached - demanding company remove from all 3 credit bureaus immediately. Misrepresentation on my credit profile and threatening phone calls have caused mental and financial damages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have made multiple attempts to resolve this issue with Jefferson capital, i have provided proof of legal documents stating i have been a victim of indentity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I visited XXXX XXXX, located in XXXX, SC, XX/XX/XXXX for a health condition. I provided the hospital with my social security card ( credit card ) as well as my insurance information provided by XXXX XXXX XXXX XXXX. After leaving the hospital, I was then notified with phone calls, harassments and continuous bills in the mail from XXXX XXXX. After receiving several calls from a representative on behalf of paying a debt with XXXX XXXX, I then began receiving letters filled with threats and profane language in reference to collecting a debt. XXXX XXXXXXXX XXXX has been requesting payments from me and now I have a 3rd party company by the name of Receivables Management Corporation in XXXX XXXX SC harassing me about a bill owed to XXXX XXXX XXXX, which is fraud and illegal. Each letter received by RMC contains debts that does not reflect the amount due by XXXX XXXX. I did not have any engagements nor did I sign any contracts or paperwork with RMC for them to have my telephone number, address and access to my credit report. RMC threatened to have the debt placed on my credit report and as of XX/XX/XXXX, the debt is showing on my credit report and has caused my score to decrease tremendously. I have been violated a numerous amount of times according to the fair credit reporting act and these two companies will be held responsible for such inaccurate information, fraud and unfair practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
What a horrible card and bank never care for me their customer I wanted to product change upgrade to a different card since I. Dont like this XXXX card I want a cash back card when I called they said no You need to apply they dont allow switch when other banks do they have a dept fir that to make you happy but they will never do anything fir me since they dont care to make me happy I want a contactless card that is not 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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very disturbed and upset that this credit reporting agency has not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I am demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a XXXX XXXX. for {$1500.00} ( with Suttell & Hammer, P.S. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from XXXX XXXX XXXX or Suttell & Hammer until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called Suttell & Hammer and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit. 
Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, XXXX XXXX XXXX an article came up indicating your organization filed a Consent Order against XXXX XXXX and it's subsidaries ( including XXXX XXXX XXXX ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from XXXX XXXX back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX at the time and the proof of service was filed in XXXX State that indicates I was notified at my rental property in XXXX State. 
Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to TransUnion multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX XXXXXXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX 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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
received this letter NFCU will not allow me to dispute charges with XXXX and XXXX for opened and fraud product XXXX : Debit Card No. XXXX XXXX XXXX Dear Member : This letter is to inform you that we have made a final determination regarding your Navy Federal Debt Card fraud claim in the amount of . 
Based on the facts of our investigation, your claim is found to be valid. The provisional credit of $ issued to your account is is now permanent and will not be reversed. 
If you have any questions regarding this matter, please call us toll-free at XXXX. If you prefer, you may send us a secure message via Navy Federal Online Account Access, or you may write to : Navy Federal Credit Union, Card Fraud Prevention Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. 
Thank you for allowing us to serve you. 
Sincerely, Card Fraud Prevention Recovery Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Me and my son were lied to by XXXX XXXX back in XXXX of last year we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX  and also XXXX which I have recently been diagnosed on that spectrum as having as well as the ADHD diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to XXXX. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Me and my son were lied to by XXXX XXXX back in XXXX of XXXX XXXX we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX and also XXXX which I have recently been diagnosed on that XXXX as having as well as the XXXX diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to COVID-19. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.

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 2021-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: AK

Complaint narrative:
I applied for student loan forgiveness since I have more than 120 qualifying payments, on XX/XX/2021 under the Public Student Loan Forgiveness and the Temporary Expanded Public Loan Forgiveness Programs, and only received notice that I was not approved based on the PSLF program. I know that I meet eligibility under the TEPSLF program, but Fedloan Servicing has not provided any feedback regarding my application nor have they forgiven my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Each month as I call to make a payment to pay off the entire balance shown on my monthly statement, I want to schedule the payment on the due date and the computer tells me that " due to state law I can only schedule the payment to be taken out of my checking account either several days before the due date or a day after the due date which would then be a late payment and I would be charged a late payment fee. '' My card is a " citi visa card used at Costco. I also use a XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX and a XXXX XXXX XXXX as well as a regular XXXX  XXXX XXXX and none of them ever require a several day in advance of the due date without penalty to schedule a payment. This policy seems unique to the Costco Citi Bank Visa and means they have the use of the funds several days in advance of the due date and saying it could be scheduled after the due date obviously generates a late payment fee for them. I am not aware of any Michigan State Law that says you can't schedule a full payment on the actual due date and would appreciate your help in clarifying this.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On Friday XX/XX/XXXX I was trying to make a purchase on XXXX and was presented an offer to pay for my purchase through the Apple Card by Goldman Sachs, the offer stated " Apply and use right away. '' and " See if you're approved in as little as a minute with no impact to your credit score. '' I submitted my application and provided pictures of my drivers license per the request, but did not get an approval response in minutes, and still do not have a response 4 days later. 

I received an email Friday XX/XX/XXXX saying it was not approved because they could not verify my identification information, but if I believe this to be an error to return to the application and reapply. I did return to the application, I reapplied and since Friday evening it says my Apple Card application is currently under review, and they will send me an update when there is one to send. They indicate they will call me, email me, text me, or send a push notification, but I have received no updates in 4 days. 

I called on Friday to clarify that my second application went through, and they confirmed it did. I called on Saturday XX/XX/XXXX for an update and the agent only could say it was under review. I called on Monday XX/XX/XXXX and was told that on Saturday it " seemed to clear the verification but was still under review. '' It is now Tuesday the XXXX, 4 days after my application and I have not received a response on my application in minutes, hours, or even days. 

This is a clear UDAAP violation where it was advertising the cash back savings I would get by applying for and using this card for my purchase, but Goldman Sachs has failed to meet its commitment in its processing time. At this point I will be required to pay for expedited shipping to receive the computer for my daughter in time for school to start. So not only have I not received a response, my cost of this purchase has increased due to the delay in processing.

Company response to consumer: Closed with explanation