vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: NJ

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 non-monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I reached out to the company to request validation, however, they kept providing me with letters [ That I have attached ] stating that the account was " accurate '' and requesting settlement completely disregarding my request for proper validation. I would like this account removed as they are in violation of my FCRA rights of reporting an invalidated debt after numerous attempts to request and resolve it. Proof has been attached. 

I sent disputed in XXXX, Sent a validation in XXXX and sent lettersXXXX, and XX/XX/2021!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: AZ

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Please remove the inquiry below : XXXX XXXX, XXXX - XX/XX/2021 2021

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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:
On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company. 

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. 

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CA

Complaint narrative:
I called Experian in XX/XX/2021, I filed an online complaint in XX/XX/2021 and I called Experian in XX/XX/XXXXregarding a negative credit report from XXXX XXXX XXXX XXXX. I filed a complaint and nothing was done by experian. I called Experian, in XX/XX/2021 and today, XX/XX/XXXX, nothing has been done, no contact form experian.

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 2021-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
A debt validation letter was sent to the company LOCKHART MORRIS & MONTGOMERY. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. A follow up debt validation letter was also sent out on XX/XX/XXXX and received on XX/XX/XXXX. As of today, XX/XX/XXXXI have not received the correct information to validate this debt. The company is failing to validate this debt but is still reporting the account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
SUBJECT : REGARDING ALL CONSOLIDATED FEDERAL LOANS OF STUDENTS, WHO, DUE TO THE NEW CHANGES, WILL BE MADE/FORCED TO RE-CONSOLIDATED ( ONCE MORE ), IN ORDER TO INCLUDE ALL FEDERAL SUBSIDIZED OR UNSUBSIDIZED LOANS TOWARD THE PUBLIC SERVICE LOAN FORGIVENESS. 

To Whom It May Concern Federal Student Loans, U.S. Department of Education On XX/XX/XXXX, the Chief Operating Officer of Federal Student Aid, Mr. XXXX XXXX " announced big changes to the Public Service Loan Forgiveness ( PSLF ) program ''. Reading through the changes, I noticed that although " changes will help me get the credit I deserve for serving my country '' as a XXXX XXXX there is one DISREGARD AND NO CONSIDERATION to students, who, at the time of their first original PSLF application APPLIED to CONSOLIDATE ALL THEIR LOANS INTO ONE LOAN, BUT WERE REFUSED TO INCLUDE THE FEDERAL ( UNSUBSIDIZED ) ( STAFFORD ) LOAN/s as NOT ELIGIBLE FOR THE PSLF PROGRAM. This is my case : when all my loans were consolidated by the FedLoan Servicing ( XXXX ) and eligible for the CONSOLIDATION toward the PSLF, my FEDERAL UNSUBSIDIZED STAFFORD LOAN was excluded and it is not elligible. Therefore, I will be made to RE-CONSOLIDATE once more, in order for my Federal Unsubsidized Stafford Loan to be PSLoan forgiven. This is not fair! With all of the above in mind, former students are appalled WHY, upon the NEW CHANGES, any former student who HAS ALREDY CONSOLIDATED HIS/HER STUDENT LOANS, WILL BE MADE to re-consolidate ONCE AGAIN HIS/HER LOANS into the Direct Loan Program by XXXX XXXX XXXX XXXX. The former student/s evidently applied for consolidation of his/her student loans at the time of first PSLF application, but WAS REFUSED TO CONSOLIDATE ALL LOANS by the order of the FedLoan Servicing, so the student could not get all credit/s for any of his/her federal student loans toward the Public Service Loan Forgiveness. THIS IS UNFAIR and discriminatory, and NO STUDENT, WHO HAS PREVIOUSLY WAS REFUSED CONSOLIDATION OF ALL FEDERAL LOANS, SHOULD BE MADE ONCE AGAIN TO RE-CONSOLIDATE TWICE THE LOANS before XX/XX/XXXX. Instead, the student who was refused the Consolidation of all his/her loans entirely into his/her Federal Loans during the period XXXX, MUST BE PROVIDED WITH THE WAIVER OF the new " FORCIBLE '' RE-CONSOLIDATION of his/her Direct Loan ( DL ) Program Loans. Subsidized and unsubsidized loans, made to XXXX and XXXX students will become eligible for PSLF Program under the new changes. Students should not be made to re-consolidate TWO TIMES their loans. Therefore, all Federal loans excluded from the PSLF must be COUNTED jointly with the consolidated loans, especially when this was the order of the FEDLOAN SERVICING at the time of the original PSLF application, which refused the inclusion of some federal loans into the PSLF Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
I Was Effected By Covid 19 I Lost My Job I Had No Help From 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 2021-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TMX Finance LLC
State: FL

Complaint narrative:
A debt validation letter was sent to the company INSTALOAN/XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Please remove the inquiries below : XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I've been in contact with Cavalry Portfolio since XX/XX/XXXX they are located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX they have been reporting on my credit report for an amount of {$430.00} I don't know this company and never done any business with this company I've asked them to provide the following ; -What is the money you say i owe you is for - Explain and show me how you calculated what you say i owe -Provide me with copies of any paperwork that i agreed to pay Cavalry SPV I, LLC said debt -Prove that the statute of limitations has not expired on this account -Show me that you are license to collect debt in my state -Provide me with your license numbers and registered agent or agent service -Provide proof of my signature that i owe you this debt the only response was that they conducted an investigation and found that I owe said debt and sent false statements with my name but with no signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's credit card did not send statements to me and then Macy 's Credit Card services reported me to XXXX and XXXX for delinquency and my XXXX XXXX suffered. When I asked from Macy 's Credit Card for proof of mailing of credit card statement, Macy 's credit card could not produce one and removed delinquency from my account, however another department of Macy 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''

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 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA Compass Bank was sold or merged with PNC Bank in XXXX. All accounts were officially moved on XX/XX/XXXX - this is a brief summary of the significant snafus and errors made and that continue to exist with my accounts. 

Note I have both my personal checking accounts and my small business accounts at this bank 1. The bank is unable to provide transaction details that account for a reduction in the balance of my small business checking in the amount of {$32000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount.

2. The bank is unable to provide transaction details that account for a reduction in the balance of my personal checking in the amount of {$2000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount.

3. For a period of approximately 3 weeks following the merger I had zero access to my accounts for the purpose of monitoring, transfering, or making online payments. This was especially problematic for my small business accounts.

4. After hours and hours on hold on the customer support line- I estimate I was on hold for a total of over 20 hours - I was finally able to access my accounts- but I needed two separate login ids for my personal and my business accounts - rather than all my accounts managed from one dashboard as I had with BBVA. This is a big problem and hardship for me as I need the ability to transfer funds between my personal and my business accounts for my day to day operations and I have lost this functionality. They have combined my personal line of credit and my personal visa card on the business dashboard -- but they can't seem to be able to combine my personal checking with business banking. After significant more hold time I was told 2 weeks ago to give them 5 business days to combine the accounts. As if XX/XX/XXXX this has still not been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: HI

Complaint narrative:
I, XXXX XXXX disputed inaccurate accounts with TRANSUNION per certified mail on XX/XX/XXXX TRANSUNION mailed back INVESTIGATION RESULTS AS VERIFIED on XX/XX/XXXX BUT ONCE AGAIN NO INDEPENDENT INVESTIGATION WAS COMPLETED AS TRANSUNION ONCE AGAIN CLAIMS ACCOUNTS AS VERIFIED BY PARROTING INFORMATION THEY RECEIVED FROM CREDITORS PROOF OF NO INDEPENDENT INVESTIGATION BEING DONE BY TRANSUNION CLEARLY SHOWS UP ON MY RECENT UPDATED CREDIT REPORTS, BECAUSE THE " DATE UPDATED '' DATES DID NOT CHANGE AND SHOWS A DATE FROM XXXX and XXXX, EVEN THOUGH I DISPUTED THESE ACCOUNTS LAST MONTH, A CLEAR SIGN OF NO INVESTIGATION AND A CLEAR VILOATION OF MY RIGHTS AS WELL AS HARMING ME FROM GETTING NEW EMPLOYMENT! 

THE FOLLOWING INACCURATE ACCOUNTS WERE NEVER UPDATED XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I ordered a bed from XXXX and it never arrived to my house. I contacted XXXX and they told me the item was delivered, showing me delivery confirmation, but it was not delivered. They told me they would file claim with XXXX and I never heard from them. I then filed a dispute with my cc Discover and they did not want to help me. I have been with Discover 14 years and not once have I paid interest with them and rely on them to make secure transactions. Discover did not want to help me with this dispute. {$140.00}. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Below is the information I emailed to PenFed on XX/XX/2021 and never received an acknowledgement, let alone a response : I refinanced my old PenFed HELOC ( Account # XXXX ) that had a limit of {$43000.00} and an outstanding balance of {$41000.00} with a new HELOC at PenFed ( Account # XXXX ) that has a limit of {$110000.00} and an outstanding balance of {$42000.00} as of today. My closing was on Friday, XX/XX/2021 with XXXX XXXX and I was told that the funds would be drawn within 3-5 business days to pay off the old HELOC so I would not have to make any more payments on it. 

Here is where the problem lies : The old HELOC is STILL OPEN showing a principal loan balance of {$41000.00} with a LATE PAYMENT of {$580.00} that was due on XX/XX/2021 ( now 24 days OVERDUE ). Given that YOUR COLLECTION DIVISION called me, I made a payment in the amount of {$580.00} TODAY to avoid getting a negative rating on my credit report due to lack of payment/delinquency. 

FUNDS IN THE AMOUNT OF {$42000.00} WERE WITHDRAWN FROM THE NEW HELOC ON XX/XX/2021 - WHERE IS THAT MONEY TODAY? 

Additional questions : - Why is the old HELOC still not paid off? 
- Why is there a late payment on the old HELOC due after the expected closing date? 
- Why is the principal amount on the new HELOC higher than the amount on the old HELOC? Was there a fee that I was not aware of? Was there a penalty assessed? Should I expect a check in the amount of the difference? 
- Why is the payment due on XX/XX/2021 only {$100.00}? 
- I have received 2 checkbooks in the mail, 1 for the old HELOC account and 1 for the new HELOC account- why is this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief