vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: AES/PHEAA
State: AK

Complaint narrative:
I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my XXXX, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

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 2021-02-18 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a preapproved offer to refinance a vehicle. Before I hit submit I called customer service to make sure I could refinance a loan in my name only for a vehicle that wasnt under my name. I was told yes so submitted the app and was approved. Now I called to finalize the app and was told I couldnt do it cuz the loan wasnt in my name. So my credit report was pulled under false pretenses. I was advised today to submit a complaint to have the inquiries removed due to XXXX  error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am the recipient of blatant systemic institutional racist predatory XXXX XXXX business practice conduct from Rocket Mortgage ... ie ; XXXX XXXX ( XXXX ), XXXX XXXX ( Director Mortgage Banking ). 

I applied for a mortgage loan on XX/XX/XXXX with XXXX XXXX, on on a income property that I own in XXXX, Texas. On XX/XX/XXXX, I am then tossed over to XXXX XXXX like some XXXX that just got off a boat, despite that ill feeling I went forward and went through the whole submission process appropriately providing ALL requested documentation, and even having these XXXX run my credit from the onset ( without my authorization ), and knowingly being mislead, and be told that I DID qualify for the mortgage loan. 

On XXXX I receive a phone call from XXXX XXXX telling me that all submitted documentation is complete, and satisfactory, and that the last step needed would be for me to go onto the application site, and complete the deposit agreement by providing my banking information, which I completed, and did on XX/XX/XXXX. 

On XX/XX/XXXX I received a email ( attached ) from XXXX XXXX telling me that my loan application had automatically withdrawn itself, ( straight XXXX misleading misrepresentation ) despite me complying with the directive, and his request of the above mentioned deposit agreement being completed, again done on XX/XX/XXXX. Per the attached email, he tells me he can recreate my loan application, and all I would have to do is resign the application online. Or ( verbatim ) we could drop this, and part ways ( more XXXX ). He would have the documents sent back to me to resign. I agreed to continue to move forward, and resign the documents to move the process forward. 

Today, XX/XX/XXXX, I receive a phone call from XXXX XXXX, asking me if XXXX XXXX had contacted me, and that he had called me 2 times, which is a ( XXXX lie ), and part of the misleading misrepresenting ruse that has been ongoing from/by these XXXX, He then commences to inform me that XXXX XXXX had made a mistake, and that I didn'nt qualify for the mortgage loan. 

Again, this is some straight blatant XXXX XXXX XXXX XXXX racist predatory redlining lending XXXX, and was done because I'm a XXXX American, and what is taking place with the devastating catastrophic weather conditions in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am in the middle of processing of getting loan from another institution and move away from and XXXX  XXXX  thief SLS ( Specialize Loan servicer LLC ) Corona made everything late overdue and XXXX a long time to process paperwork After government ban banks and mortgage servicer from evict and foreclosure on peoples home These monsters send a creep to Put a sale date on my door Sale date is for XX/XX/21

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 2021-02-18 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: OneMain Finance Corporation
State: OH

Complaint narrative:
During this pandemic i am having problems just like all Americans and main financial rep at the branch told me that i would not report negative During this pandemic ... i am having problems just like all Americans and main financial rep told me that everyone is having problems and that main financial is not reporting negative on the credit report ... i said over and over are you sure, because i will borrow the money so i would not have a negative impact on my credit, she stated over and over we will not report you if you keep your arrangements. i made arrangements with the rep and gave her my new checking information and come to find out she was still using my old checking information ... i called the manager XXXX to fix her mistake, just like she tricked me and stated i would not be reported to the credit bureau. XXXX said i am so glad you called. we still have your old checking information and not the new checking info, i been with them for 2years and i have expressed my hardship over and over to them. This is not fair and right because all my other creditors are working with me and i am not understanding why main financial would put a mark on my credit knowing i have been in conversation with them every step of the way. I believe the rep told me that lie because she gets credit for making a payment arrangement with me and i hope she does not get credit for being very deceitful and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed multiple accounts with TransUnion, XXXX and XXXX  for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be 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 2021-02-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed multiple accounts with XXXX, XXXX  and Equifax for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TX

Complaint narrative:
On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.

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 2021-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.

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 2021-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACCESS GROUP INC.
State: MI

Complaint narrative:
I was paying on Access Group loans when with XXXX XXXX. Paid them for years. When came time to renew the lady XXXX would not return my calls. After that it passed to another company and I set up payments and they never took them. Then it ended up with XXXX XXXX XXXX XXXX XXXX. They called my mother and not me so I sent them a letter to provide proof of them acquiring the debt after it being bounced around. They never provided that written verification of debt and its been months, well past the time allowed once written verification of debt received. I believe the person was XXXX XXXX. I also was being contacted during the student loan payment freeze time when federal loan payments were frozen by debt collectors and I was informed that all payments have been frozen during the pandemic for federal loans. So now I guess XXXX XXXX XXXX XXXX Access grp has it. I never was contacted by phone or received any notification by them of who they are and how they acquired the debt but the company they acquired it from failed to verify the debt during the allowed time and also I was being asked to now pay during a time when federal loan payments are on hold. I also never have been contacted or served in any way. Had I not received two letters from lawyers trying to represent me today, I would have never looked my own name up in the XXXX district court database and found that a XXXX lawsuit was filed. So I am grateful to those lawyers for their letters in the mail. I had never even heard of or been contacted by XXXX and still have not received anything. The only reason I know anything is because of the lawyers who must have been looking in the system for new suits filed. The company prior to XXXX should have the written letter asking for verification of debt. I have been a victim of identity theft which is on file in XXXX. My mother was even contacted about a fake debt a debt collector bought unknowingly. It was for a cell phone she didnt have and the real company didnt have any record of any accounts in her name. Considering all the scammers out there, I cant just take the word of someone saying they are who they say they are. Last time I checked, I thought a company had to at least contact you before they could sue you. I also was not aware that when you asked a company for written verification of the debt and how they acquired it, that they could not respond and then sell it to someone else who would fail to contact the person and then sue them without due process and while federal loans are supposed to be on hold. All of my department of education loans are on hold and I didnt have to do anything. I want this removed in the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: IL

Complaint narrative:
TransUnion is continuously reporting unverified, inaccurate, negative information on my credit report, pertaining to XXXX XXXX XXXX. 

TransUnion has failed to investigate / reinvestigate this negative information, and has refused to provide the method of its investigation. 

The information is inaccurate, unverified and I'd like it to be removed from my credit report, immediately.

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 2021-02-19 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: NJ

Complaint narrative:
Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on XXXX XXXX and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
i have a paypal account and I've been a customer for several years now IM having some major issues with this service paypal. my account was limited and restricted back in XXXX of XXXX and i was told that i cant be given any information about the limitation or restriction. i was then told i have to read the policy in which states i will be able to withdrawal my funds after 180 days I've been in contact with PayPal over 20 different times regarding this issue since then. i spoke with PayPal XXXX of XXXX and was told that the date that i can access my funds is XXXX XXXX XXXX. When that day came i was still restricted and my account was still limited where i couldn't retrieve my funds that i was told I could receive. i spoke with XXXX a customer service representative and was told that i would receive a special email from the back office team that i would have to attach a bank account in order to extract my funds. I spoke with XXXX and she created a ticket in which the back office was suppose to fix the issue reference ID XXXX when i called again to check the status of the correction that was supposed to be made i was then told by XXXX employee id XXXX that there was an additional restriction added to a restricted and limited account which makes no sense .I tried to reach several supervisors and none could help me or give me information regarding my account i was promised that my account would be okay to withdrawal my funds once the email was sent no email was sent and I've been calling everyday to fix this issue to receive my money can you all please reach out to this company and resolve this issue thank you its not allowing me to make any transactions or add my bank account to receive my funds

Company response to consumer: Closed with explanation