vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received a letter in XX/XX/2021 from a company that I had applied for mortgage pre-qualification. The letter listed the telephone number for Annual Credit Report to obtain my file from all three credit reporting companies. I called the number, provided the requested information inclusive of security questions to verify my identity. The automated system advised the reports would be received within 15 days. I received no such reports. On XX/XX/2021 I the bureaus direct, still no report. On XX/XX/2021 I called XXXX again but still no report. On XX/XX/XXXX, I downloaded the Annual Credit Report Request Form, completed the required information and mailed the form certified mail/signature confirmation but still did not receive my file from either bureau. I filed a complaint with CFPB and shortly afterwards I received my credit report from XXXX  and XXXX. The TransUnion  file was never received. I am attaching a copy of the request form. I attempted to contact TransUnion  direct but was met with rude and unprofessional conduct. The Annual Credit Report Request Form was sufficient for XXXX  and XXXX  but I can not get my file from TransUnion.

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 2021-08-24 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: AL

Complaint narrative:
On XX/XX/2021 I paid a collection account in full with XXXX XXXX , XXXX. I have proof of payment.

I filed a dispute with Equifax twice ; as of today I filed another one so 3 in a row. They are stating the balance and info is correct that they reached out to the creditor. I reached out to the creditor and they told me the account is paid in full and is no longer in their system. 

XXXX  and XXXX  have already removed the collection from my credit. Equifax is giving me a hard time and not removing it or correcting the balance info. So I am having to take this into further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-08-24 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: Capio Partners, LLC
State: TX

Complaint narrative:
This is a medical bill that was paid by insurance and I do not like to feel threaten about my personal information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2021 and XX/XX/2021, i sent letters to XXXX  and equifax about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX i need help getting this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

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 2021-08-24 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: DC

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2016 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 2021-08-24 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: MoneyLion Inc.
State: OH

Complaint narrative:
On XX/XX/2021, Money Lion appeared on my credit report showing a balance of {$500.00} for a loan. I have never heard of this company and definitely did not request or receive a loan from them. I called Money Lion on XX/XX/2021 and spoke with XXXX. She took my complaint and told me she would submit it to their fraud dept. i immediately filed a dispute with all three credit bureaus and on XX/XX/2021 I called back and was told they couldnt find a loan in my name. XX/XX/XXXX, I received an email from XXXX stating they would not remove it because its accurate. IT IS NOT ACCURATE, therefore, Im filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX was opened in the amount of {$400.00} and also XXXX XXXX XXXX  also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: DC

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance $ 2,210-Date Opened : XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I disputed a charge with Citi Executive MC in the amount of {$2200.00} on XX/XX/2021. The charge was for dental veneers from the office of XXXX XXXX XXXX XXXX, XXXX, FL. I paid for XXXX dental veneers from XXXX XXXX and his assistant provided negligent work which XXXX XXXX refused to redo without full repayment. I was forced to have the negligent work removed and redone by another dentist, XXXX XXXX XXXX XXXX, XXXX, FL for {$2400.00} and this charge is reflected on the same credit card. 

Citi found in favor of the dentist despite letters from the new dentist stating the work from the XXXX XXXX 's office was negligent and was causing and would continue to cause worsening health problems. I appealed their findings and Citi found in favor of the XXXX XXXX 's office once again stating the " XXXX XXXX provided the work '' and therefore I have no grounds for a dispute. I vehemently disagree. I paid for XXXX dental veneers which were seated ( cemented in ) negligently. They needed to be removed and replaced, which XXXX XXXX refused to do, and therefore he did not provide the service I paid for. 

I escalated my dispute to Citi 's ERU ( Executive response ) team and this morning received a letter with multiple typos, several grammatical errors, and misuses of context as well as misinformation all through the letter stating that they " respectfully decline to issue a credit '' once again. 

I have filed a complaint against the Florida Board of Health against the dental office and know that the assistant is facing disciplinary action for performing work she is not licensed to perform regarding my treatment and XXXX XXXX XXXX also be facing disciplinary action, as well, because their investigation is ongoing, but why Citi continues to make me pay for botched dental work, just because the dentist has responded to their inquiry that he preformed the work, is troubling. 

I want the full amount of the charge from XXXX XXXX XXXX of {$2200.00} credited to my account.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Step XXXX : What is this complaint about? 
Money ( XXXX XXXX ) lost due to a travel company cancelling a trip before going bankrupt then PNC failed to issue a charge back for the amount paid for services that were never received.

Step 2 : What type of problem are you having?

PNC will not issue the money back even after being provided letters from XXXX  ( the travel company ) as to the repayment flowchart they provided to their customers on how to received a refund. They stated the payments were too old and would not take action in helping me receive the money I had paid XXXX.

Step 3 : What happened? 
A tour through XXXX was booked for the date XX/XX/XXXX however paid for in payments mostly throughout XXXX. It was rescheduled due to COVID, then cancelled, followed by the company XXXX going insolvent. 

XXXX then instructed all participants of the trip who had paid in full to request a chargeback from their banks however PNC stated it was beyond the date that they would honor a chargeback. XXXX provided letters stating they would not contest any chargeback from banks or credit card companies however PNC would not issue it due to their policy of the time limit to do so therefore I have not received a refund for USD XXXX paid to XXXX. 

Step 4 : What company is this complaint about?

PNC Bank Step 5 : Who are you submitting this complaint for? 
XXXX, XXXX XXXX XXXX for the amount of USD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX I received a bill from Bank of America for {$20000.00} on my card which has a {$10000.00} credit limit. The card is an XXXX XXXX  card that i have only used for purchases with XXXX, {$50.00} to {$300.00} at at time and paid balance when due. I contacted them and they credited the account and started a fraud claim. I also contacted XXXX and found that there were multiple charges for flights and hotels and rental cars thru XXXX charged for this with multiple random people almost all flying from XXXX, I fly out of XXXX always. After 2 months Bank of America denied the fraud claim and put the charges back on my account. They stated that the charges were consistent my previous charges with no explanation of how it could double my credit limit. They are re-opening the claim but leaving the charges on the card which has drastically lowered my credit score and if I don't make payments on it will further ruin my credit. I can not do anything but wait another 60 days to find out if they are going to continue to deny these charges!

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I recently received a collection notice from Credit Corp Solutions regarding their reference # XXXX for a balance due of {$140.00} This amount is fully disputed as being totally invalid, and I never used PayPal credit. Someone fraudulently used my name. PayPal shows a XXXX balance for me and has no record of me making any purchases using credit. 

Kindly report this matter as fraudulent and remove it from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a debit card from Wells Fargo, despite never requesting a card or opening an account. The debit card says that I have been a customer since 2021. I called Wells Fargo, and the customer service representative said that I do indeed have an account. I am concerned that Wells Fargo may have opened an account in my name without my permission, in order to solicit my business.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I recently received a collection notice from XXXX XXXX XXXX regarding their reference # XXXX for a balance due of {$140.00} This amount is fully disputed as being totally invalid, and I never used PayPal credit. Someone fraudulently used my name. PayPal shows a XXXX  balance for me and has no record of me making any purchases using credit.

Kindly report this matter as fraudulent and remove it from my record.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
Received toll violation fees in the mail naming me through an incorrect send address from The Port Authority of NY & NJ. They claimed that I violated their toll plaza and I must pay the balance. In response, I sent a dispute form claiming that vehicle displayed on the violation was not mine. Thereafter they sold the to debt collectors named AllianceOne. This collection company has been persistent in attempt to have me pay a falsely misrepresented debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I started my mortgage loan application in XX/XX/2021. It is now the end of XX/XX/2021 and I still have not closed. The underwriter is discriminating against me. I have a XXXX credit score, {$30000.00} cash in the bank, Approved Appraisal, Approved DTI, approved title and now after submitting final conditions, the underwriter has again heaped upon me new " catch 22 '' conditions that have nothing to do with the loan. The underwriter demanded that I have 6 months of reserves in my bank account which is NOT a VA loan guideline. I complied and now the underwriter has come back with ridiculous requests that are NOT VA loan requirements. The loan is only {$140000.00}. This is criminal and bigoted to treat people this way. Navy Federal has dragged this process out to approx. SIX MONTHS! Unsatisfactory. I am a XXXX Veteran who is qualified for this VA loan, and I am being denied from closing on it. I am now having to go to another lender after SIX MONTHS with Navy Federal Credit union stringing me along, discriminating against me and not closing my loan. I have been stressed out for half a year trying to close a simple {$140000.00} loan to no avail. Avoid Navy Federal Credit Union at all costs. I realize that nothing will change, but at least I can warn people of the corruption and bigotry at Navy Federal Credit Union. I will be closing all three of my bank accounts with this corrupt institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/2021, I received notification that I have made my 120 qualifying payments from Fed Loan Servicing. I asked what's the next step. They told me that it would take 6 months to review the case and then they would send it to the Department of Education for another review. After that, it would be sent to Treasury to complete the Loan Forgiveness.

Fed Loan Servicing will not be handling the loan after their contact ends on XX/XX/2021. Then my case will be transferred to another loan servicer and the process starts again with the new loan servicer reviewing the loan package for 6 months. 

I can't retire since I need to be employed by the Federal Government until the loan forgiveness is completed. 

Please help to see if this process can be expedited since I have met the terms of the PSLF program. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage account was in forbearance from XXXX to XXXX of 2021. The person handling the case at Shellpoint mortgage openly admitted to submitting my paperwork earlier than it should have been. Now its saying that I am 2 payments behind and they reported one already and it has dropped my credit score. I disputed it once and they removed it and my credit score went back to the original score. I disputed it again and it was confirmed that I was correct but they did no correct the report and my credit score was impacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have a charged off credit card reporting on my credit report for Discover ( card ending in XXXX ). I reached a settlement with them on XX/XX/2019 to pay a one time payment of {$7300.00}. In the settlement they stated that once the payment clears my bank account that they would consider this account settled for less than the full balance owed which was {$10000.00}. This was in a settlement from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation