vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian in regards to my multiple attempts to dispute inaccuracies being furnished to my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute anything all they have done is say that they have verified the account without proving and or providing anything to prove otherwise. I requested that they send me all documentation that they, Experian, have on file within 30 days to verify the accuracy of the disputed account. They never sent anything and stated again on my credit report that the account was verified.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My complaint is that XXXX XXXXepartment of Student Loans Servicing are reporting inaccurate balances on my credit report. In XXXX I was attending college using my post XX/XX/XXXX VA benefits, but by error, only XXXX XXXX of my tuition was being covered. A reimbursement check was sent to the school on XX/XX/XXXX to cover the remaining XXXX XXXX of tuition that was paid by me using student loans and XXXX, as I am eligible for XXXX XXXX tuition coverage. Right now, I still owe XXXX for student loans that were taken out and paid to XXXX XXXX  on my behalf, even after the reimbursement by the Department of Veteran Affairs. I have included the ledger card provided by the school showing where the school has been reimbursed to this dispute letter. I was advised by my financial aid advisor to contact XXXX student loan servicers and again by XXXX to contact XXXX XXXX  financial aid advisors. These balances are inaccurate and I am requesting they be removed immediately from my credit report. 

I have attempted to contact all parties involved but was unable to get my issue resolved. I was only referred back and forth between the college and the loan servicers. I also placed a mail in dispute to Experian requesting the balances be deleted due to inaccuracies but have not received a response in over 90 days, which is well over the time they have to investigate and provide me with accurate and original copies of proof of balances. I have included all documents showing my efforts to resolve this issue before filing this complaint, to this complaint

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had an account open with XXXX XXXX, under my business name. XXXX was closed by its parent bank BBVA. BBVA was supposed to have sent a cashier 's check with the funds in the account to my home address in XX/XX/2021, but after numerous contacts with BBVA / PNC customer service, they have not yet sent the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i was sent to court in XXXX of 2020 while i was home with XXXX  and my children too. 
the amount si {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian in regards to my multiple attempts to dispute inaccuracies being furnished to my credit report by a creditor named XXXX XXXX XXXX XXXX XXXX. I asked that they send me all documentation that they, Experian, have on file to verify the accuracy of the account being disputed within 30 days. They never sent me anything and stated again on my credit report that the account was verified.

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 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
never received any letter in regardint debt before it went to collection now i have company calling me multiple time a day and my credit report show them now saying that i owe them {$1800.00} and anothe one for {$73.00}

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
My complaint is that Navient Department of Student Loans Servicing are reporting inaccurate balances on my credit report. In XXXX I was attending college using my post XX/XX/XXXX VA benefits, but by error, only 80 % of my tuition was being covered. A reimbursement check was sent to the school on XX/XX/XXXX to cover the remaining 20 % of tuition that was paid by me using student loans and Pell, as I am eligible for 100 % tuition coverage. Right now, I still owe Navient for student loans that were taken out and paid to XXXX XXXX  on my behalf, even after the reimbursement by the Department of Veteran Affairs. I have included the ledger card provided by the school showing where the school has been reimbursed to this dispute letter. I was advised by my financial aid advisor to contact Navient student loan servicers and again by Navient to contact XXXX XXXX  financial aid advisors. These balances are inaccurate and I am requesting they be removed immediately from my credit report. 

I have attempted to contact all parties involved but was unable to get my issue resolved. I was only referred back and forth between the college and the loan servicers. I also placed a mail in dispute to XXXX requesting the balances be deleted due to inaccuracies but have not received a response in over 90 days, which is well over the time they have to investigate and provide me with accurate and original copies of proof of balances. I have included all documents showing my efforts to resolve this issue before filing this complaint, to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received in the mail a flyer advertising {$400.00} if I opened a new regions account. I opened the account and followed all instructions but they never gave me the {$400.00}. When I contacted them they said it was because I did not enroll in electronic statements within the first 30 days of opening the account. I explained that I attempted to enroll in electronic statements but the enrollment process requested information from my paper statement. As such, I had to wait to receive my first statement before I could enroll in electronics statements. This effectively eliminated my ability to receive the offer when I in good faith held up all requirements on my end. I feel like Ive been defrauded.

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 2021-11-03 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: NY

Complaint narrative:
On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( Transunion ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks 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 2021-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks 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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
debt was settled but they said they wont removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX - XXXXXXXX XXXX XXXX- XXXX did a background check for a job, and the information on my Transunion was not accurate. I have a chapter XXXX discharged, and Transunion is reporting chapter XXXX as dismissed. I provided the discharged papers to Transunion and Consumer Care. Consumer care took two weeks to investigate and emailed stating the information was correct on my TransUnion report and left it as a chapter XXXX dismissed and sent it back to the employer with incorrect information. Chapter XXXX has been discharged since 2016, and I have been mailing the discharge papers to TransUnion since 2016, and it is still not reporting correctly. I can not pass a background check for employment because chapter XXXX  is discharged and reported as dismissed after I sent the paperwork numerous times. Both companies are responsible for inaccurate reporting.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since XX/XX/2021, I have been submitting requested documents to Select Portfolio Servicing , Inc. After requested documents are submitted the company ask for additional or the same information. I call customer service and they are not help. I am being harassed by this company to end a Pandemic Forbearance. I have been making payments since XX/XX/2021. I am being harassed by Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not my debt, the companies has received multiple police reports and FTC reports showing my identity was stolen, even the person stole it was caught. Even mo9re so, this company has broken MANY federal laws, as i am the " Consumer '' and never validated any of these debts. With all the supporting documents, i am still being harassed and reputation tarnished and affecvting my future because of laws being broken and false reporting that i have never gave written authorization to do so 15 USC 1681 [ B ] states

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NV

Complaint narrative:
I was sent a email from Experian about my credit. As I looked into why my score was so low I noticed that on " my score profile '' the negative aspects of my credit are listed as " XXXX accounts paid as agreed. '' " XXXX XXXX paid down on installment loans '' and " no revolving activity '' which their own Experian report shows I have multiple accounts, revolving and installment, paid on time and as agreed. My Experian score is XXXX at this time while the other reporting agencies are over XXXX with the same accounting and reporting information. This leads me to believe that Experian is not accurately adjusting my score based on the tradeline info they are receiving from creditors. I have attached documents from their website. I chatted online with customer service and they didn't help or even seem to understand what I was trying to explain. Next I called in and the customer service rep. said I would have to take that issue up with XXXX XXXX. XXXX XXXX said they don't provide Experian with scores directly and that that would be a internal issue. I appreciate your time on this matter.

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 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/2021, I was seeking refi rates on my mortgage and truck. I filled out a refi application with Penfed to find out the rate. I also opened a savings account with {$5.00}. I decided to refi with my credit union in XXXX, FL XXXX XXXX XXXX XXXX who I have done business since the XXXX. Penfed created a fraudulent loan and fake liability in my name, which they have no business with. They are harassing me and have falsely put themselves on my insurance and have had numerous credits inquires made in malice. 
For some reason they believe they have a loan, I told them their rate wasn't lower and went with the best lowest interest rate. What they have done is beyond the threshold of criminal.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have been receiving several calls from " Portfolio Recovery, '' which I looked up and learned is a debt collection agency. I do not owe any debt, I have also checked my credit report to confirm this. They leave voicemails without any message so I am unsure if they are attempting to collect a debt from me or not, and if so, what it may be. I have not received anything in the mail, which further suggests to me that this is an erroneous repeated robo-call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
the debt was settled but they are saying the wont delete it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I NEED this false and misleading information removed from my credit 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 2021-11-03 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: NC

Complaint narrative:
I NEED this false and misleading information removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This card is incorrectly labelled as a credit card. It should be labelled as a retail store card because it can only be used at Target ( it is not a Visa/MasterCard to be used anywhere ). Certain banks, such as XXXX, make credit decisions based on the number of credit cards open recently, but exclude store cards.

Company response to consumer: Closed with explanation