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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX XXXX DENIED ME BASE OF XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX  XXXX  CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX  OR EXPERIAN HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX  XXXX, MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX  XXXX  WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!

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 2021-08-24 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am filing this complaint because these companies have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Late : XX/XX/2020 This is a formal complaint against Experian. I do not recall being late for the month of XX/XX/2020. I might have received my statements late for this particular month. I know I am always on time in paying this 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: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a checking account with this bank and had some funds sitting for a while in my account. All of a sudden I get a fraud alert from someone from the bank telling me of a transaction I made that I did not. During that week it was a back and forth between the bank and I during their investigation. They the bank sent me an email and I made an error and click on the wrong box. That action made them determin that I made the transaction they claimed I did and my account was wipped out. Now they restricted my Credit Card with them and my Checking account claim was denied because I could not supply enough proof I did not made the so call purchase. I need your help I have nowhere to turn. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Quality Asset Revovery LLC XXXX XXXX XXXX # XXXX XXXX, NJ XXXX Date XX/XX/XXXX case was open Date claim I owe {$380.00} Represented by XXXX XXXX XXXX I sent a debt validation XX/XX/XXXX requesting in 30days UNDER THE FAIR DEBT COLLECTION PRACTICEB ACT [ 15 USC 1692g Sec. 809 ( b ) ] which I have the right to request proof that I'm indeed the party, how they get my social security #, and my signature on the release papers that they claimed I was treated at that hospital and I never recieved treatment there. I request that they show documents and they haven't sent them yet. I am sending out more letter I just need help because they still reporting it to the three major Credit Bureaus after I sent the Debt Validation Letter.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified '' Please remove the following accounts XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX from my credit report. You have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

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: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I am filing this complaint because these companies have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified '' Please remove the following accounts XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX from my credit report. You have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
After Repossession of my vehicle, there was 33 state Predatory Lending Class Action Settlement against Santander Consumer USA. I Purchased my vechile in XXXX of XXXX and my car repossession happened in XXXX of XXXX. So after several attempts to get this account removed from my credit profile santandar failed to respond and stated my name was not in the system. XXXX of XXXX according to the agreement, my debt is to be forgiven and account status should be removed from my credit report. because of what was agreed to in the settlement. This has now become a violation and need to be corrected within the next 30 days of receipt of this complaint. This Account Is Also reporting different balance due, different reporting dates. which is violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Today, XX/XX/XXXX, marks the one-year anniversary since I refinanced the conventional home mortgage that was held by RoundPoint Mortgage Servicing Corporation. It has now been 365 full days and I am still waiting for the return of the {$3800.00} that had been held in escrow. The refinance was totally plain vanilla. There were no complexities, and procedurally I did everything exactly right. RoundPoint does not deny this. I have called and emailed RoundPoint no fewer than 25 times over the past year and have wasted at least a dozen hours ( maybe 2 dozen ) over the past 12 months in efforts to get back my money.

RoundPoint claims they sent me a check ( way back on XX/XX/XXXX ). The fact is that I never received that check. They claim it was cashed. I know nothing about it. For months I have been jumping through the many hoops they have put before me ( such as signing affidavits and representations to their bank, etc. ) In XX/XX/XXXX they assigned XXXX XXXX ( Company NMLS ID # XXXX ) as my Customer Advocate Specialist, with a promise that the matter would be resolved promptly. I have called her and emailed here countless times over the past six months. She just says she is expediting the matter and that she is waiting to hear back from their fraud department, or that its still being processed, or asks me to fill out more paperwork ( often the same form yet again ). Recently I got a message that she is transitioning to a new role and now there will be a new point of contact assigned to my case. 

I have nowhere and no one to turn to. I have never seen anything so unfair and poorly handled in my life. Enough is enough. Their treatment of me and my case has been utterly unforgiveable. I honestly believe they are guilty of embezzlement. 
Can you please help me to resolve this matter? 

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: 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX - Account Info Account number XXXX Account status Closed Date opened XX/XX/2015 Account type Credit Card

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX - Account Info Account number XXXX Account status Closed Date opened XX/XX/2015 Account type Credit 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 2021-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted a dispute for an account that was paid in full with capital one. XXXX XXXX has reported it incorrectly forthe second time as a charge off.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated my rights under the FCRA and FTC Laws. Based on the laws, every information must be accurate, no errors and verifiable. Based on their investigation ( see enclosure ), they have not verified the information that shows on my Equifax credit report. I sent a certified letter ( see enclosure ) on XX/XX/XXXX asking for the validation of the unauthorized inquiries showing where I have signed any document. Please direct Equifax to remove the unauthorized inquiries.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello again, and to whom it may concern, I'm still having difficulties with Equifax regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the XXXX week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent by certified mail on XX/XX/XXXX requested to remove 4 unauthorized ( see below ) inquiries and a collection ( XXXX XXXX XXXX  ) that should not be on my credit. The XXXX XXXX  only shows on my TranUnion and not on the other two credit bureaus. Under the FCRA and FTC Laws, all information must be accurate, no errors and verifiable. There investigation did not show me where I have signed any authorizations approving these action. Please have TransUnion remove these errors because their investigation did not provide any accuracy. This information that appears on my TransUnion report is not mine and must be removed immediately. 

XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
MyFedLoans was contacted regarding credited number of payments under IBR/PSLF ( Income Based Repayment/Public Service Loan Forgiveness ). They currently have credited my account 8 payments, but prior to the 8, they had me credited as 13.

They recently " reviewed '' the account and replied that the 8 is correct without any explanation and marked the account as closed.

They didn't explain the discrepancy or why my first two years of payments weren't credited when based on my plan, the amount was {$0.00}.

They were also supposed to credit 25 months from XX/XX/XXXX-XX/XX/XXXX where I worked for a XXXX XXXX in my area.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello again, and to whom it may concern, I'm still having difficulties with TransUnions regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I told him that I dont have money If you guys want to take XXXX bucks a month or a week I can do that And just feels like Im getting the runaround that I have to upload this up now that I tried clicking or upload it just doesnt let me add more stupid questions are asking me do this do that I dont need this XXXX Im sorry for my language

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello again, and to whom it may concern, I'm still having difficulties with XXXX regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX agreed to remove two late payments ( XXXX and XX/XX/2020 ) and accordingly contacted all three credit bureaus. All removed but 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