vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: VT

Complaint narrative:
In XX/XX/XXXX I filed a dispute of information on my XXXX XXXX account in collections through a credit bureau ( experian I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that XXXX is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called XXXX  and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.

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 2021-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, XXXX, and Equifax reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with XXXX and Equifax and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my business survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My last Loan Modification received on my loan was approved with affordable monthly mortgage payments. In the midst of my making my monthly payments to XXXX XXXX, my payments were being returned because they stated the loan was not their loan and the loan number was not their number. They could not provide me with any information if my loan was sold or who was now servicing my loan. During this time I became ill and started having financial issues and was unable to make payments. I became delinquent with my payments and I eventually found out Specialized Loan Servicing was my new Servicer, I've been attempting to get a Loan Modification approved. I have paid attorney 's to help me in resoling this and they just took my money with no solution. I have been working with a HUD Housing Counseling Agency who have submitted several Financial Hardship Packages on my behalf but still no success. I want to keep my home and save it from foreclosure.

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 2021-10-08 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: CA

Complaint narrative:
I had a case of identity theft or poor debt tagging. I dealt with all credit agencies to have it removed. This went through fine the first time, however the debt was resold and only Experian recognized it. After multiple disputes with me proving my identity, my address, and copies of police reports. 

This violates the FRCA, and Experian system is beyond difficult to dispute items. They make it extremely difficult to upload items with systems that don't work and often are down. The customer service line is long advertisement phone call where you are often sold on their " premium service '' and are often disconnected. I believe this is an executive decision to force people on these lines to make profit and this clearly needs to be investigated. It is clear lack of ethics and poor practice. Force people to call, never answer the calls, so I will buy a premium service to be assisted

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 2021-10-08 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: Rocket Mortgage, LLC
State: RI

Complaint narrative:
On XX/XX/21 I lled out a form with rocket mortgage requesting more information about their loan programs. I was at work when I received a phone call shortly after. I stated repeatedly that I was at work and was unable to talk while the agent, XXXX, continued to ask questions. He asked for my social security number so we could " get things started '', which knowing I was speaking with a legitimate company I gave not knowing or at the very least having heard him say that his intention was to run my credit. I hung up the phone and immediately received a notication that there had been a hit on my credit report. I have spoken to multiple individuals expressing that my intentions were not to get a mortgage or have my credit run and asked to have it removed from my credit report. When they refused I asked them to let me hear the recording where I provided consent to have them run my credit. They have since refused to let me hear proof of consent and doubled down on their refusal to remove the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the JHPDE FINANCE I , LLC ( Original Creditor Name XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a complaint against Bank of America. Refer to case # XXXX submitted on XX/XX/2021. I've been working on trying to get the funds back since XX/XX/2021 and nothing still hasn't been resolved. I'm still owed {$560.00}, and would like for the money to be returned. I've provided all the ample information to prove the funds went into the bank into the account number that was provided to me. It has been verified numerous times by various Bank employees. Why haven't I received the funds back? I would like an update. In the beginning I had to switch money around to cover the funds to pay bills that the money was intended for. I've tried calling Bank of America all I get is a voice mail, I've left several messages with no call back. They're not willing to work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX, I received a text message from National Recovery Agency saying I owe a debt. I do not. I called the the company that I supposedly owe the money. They checked the account number given by NRA, checked by my name, ssn, and they dont have any accounts in my name, by an account number ; in fact they dont even use that type of accounting number. 
I always use a third party payment system to purchase items, and dont pay the company directly. 
The NRA texted me again on XX/XX/XXXX. 
I dont owe the company any money, dont have any account with the company, and dispute this debt. I did not call NRA directly as I believe it to be a scam of some sort. Ive never heard of an debt collection agency texting, however, Ive never had to deal with debt collection.

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 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
first this XXXX  XXXX XXXX XXXX in XXXX they reported on my credit files, After i file complain in XXXX with CFPB ( File number XXXX ) because i do not own this debt they removed this reported from XXXX amount and then they removed from my credit file, Now this new debt collection agency Common Wealth Financial system trying to collect same debt ( {$1300.00} dated XX/XX/XXXX ) which i don't own, They reported on my credit file i like them to immodestly remove negative information from credit file from all 3 credit reporting agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On XX/XX/21 I lled out a form with XXXX XXXX  requesting more information about their loan programs. I was at work when I received a phone call shortly after. I stated repeatedly that I was at work and was unable to talk while the agent, XXXX, continued to ask questions. He asked for my social security number so we could " get things started '', which knowing I was speaking with a legitimate company I gave not knowing or at the very least having heard him say that his intention was to run my credit. I hung up the phone and immediately received a notication that there had been a hit on my credit report. I have spoken to multiple individuals expressing that my intentions were not to get a mortgage or have my credit run and asked to have it removed from my credit report. When they refused I asked them to let me hear the recording where I provided consent to have them run my credit. They have since refused to let me hear proof of consent and doubled down on their refusal to remove the inquiry

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 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
During the worst time of COVID I paid my mortgage. Recently in XXXX of XXXX I started to fall behind, I finally broke down and requested a forbearance. PHH said 3 months, but gave it for 6 months. Under the CARES ACT I am able to extend for another 6 months if needed and if done by XX/XX/XXXX. I reached out to the mortgage company for help and was denied and extension, I was told the investors havent been paid for 2 years and need to be paid and that is the reason I cant get an extension. I am in the XXXX industry, the industry that was hit the hardest. I work at a XXXX and in a XXXX, I have job security. I am just waiting on the XXXX to open more and add more shifts ; but that can only be done by the department of business regulations , health department, and OSHA. The whole time I could of taken the forbearance like others and went 18 months without paying, but I didnt, I used my unemployment money to pay my mortgage. I finally realized 6 months ago that I needed help, and broke down and used the forbearance, I should not be penalized because I didnt take advantage of the system. Their communication to help me with this process is horrendous! They may have called me from XXXX numbers but I dont answer them because most of the time it is spammers. They never once left me a voicemail asking to help me. The person I spoke to said they cant leave a voicemail unless it says my name or number. When you call my phone, my voicemails says Hi you have reached XXXX. They could of left me a voicemail to get me in touch with the right people to help me. They sent me emails that went to my spam because they used 7 different emails. Customer Care, No Reply, Relationship manager email all these were in reference to my forbearance and it all went to spam. They made sure to send PHH Mortgage mail for my insurance renewal, PHH mortgage for flooding, discounts, feedback. The email I made a VIP so I stay on top of it XXXX XXXX XXXX XXXX they would send me my monthly statement which was last sent XX/XX/XXXX. I have received a few letters which state the forbearance, how much I owe, and if I need more help. I reach out for more help and I get denied. I never took advantage of the situation and didnt use it till I needed it, and now they are taking advantage of me when I need help the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was forced to send money {$170.00} via cash app on XX/XX/2021 for a payment of massage services. After a couple hours, I realized I sent to the wrong person and I send an email to this person but he would not respond to me. So, I contacted Cash App and they say they would investigate further. After three days, they closed my case and they said the best solution is to contact the person directly. I have not received a message back with these person so nobody including Cash App could not help me. I have all the details for the person below : XXXX XXXX and his email : XXXX Cash App account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XXXX I wanted a better career and saw a XXXX XXXX ( XXXX  XXXX institution ) advertisement for Diagnostic imaging. I decided to call the XXXX, PA location to obtain more information about the program. I was told to come in speak with an advisor. they would call me multiple times to get my to come in. finally I went, spoke with a recruiter about their XXXX  XXXX  program as It showed I could make over {$40000.00} a year. At the time I was a mother of 3 and needed change. XXXX XXXX immediately pressured me into enrolling stating they have a XXXX XXXX class starting soon. I was confused because thats not the program I wanted. they told me I had to have XXXX XXXX  experience to attend the XXXX XXXX program if not I need to do the medical assistant first then I will be ale to attend the Cardiovascular sonography program, which wasn't even accredited. I was excited for my future as they induce me to enroll. XXXX made numerous false representations regarding the schools ability to place graduates in jobs, the salary I would earn in such jobs, the support it would provide me in securing post-graduate employment, and the transferability of its credits to other programs. It was all false! after graduating in XX/XX/XXXXI was stuck with a heavy XXXX XXXX, could find employement and couldn't use my credits for nothing. this program was a waste of my time and money. As of today I continue to have this burden of a loan in the amount of XXXX attached to me for a diploma that was useless by deception. Now this school has closed and has misrepresented a lot of student and we are left with debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed some inaccurate information on my XXXX report that needs to be deleted for inaccuracy and unverifiability.

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 2021-10-08 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: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
Fairway Mortgage pulled my credit and my wife 's credit ( hard inquiry ) without authorization.

I started talking with Fairway Mortgage to discuss a loan to build an addition on my home. I provided basic information to Fairway, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

Fairway Mortgage then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I refinance my used vehicle loan through NFCU. Around XX/XX/2021 I requested form XXXX from the banking institution regarding all statements of accounts, in order for me to file my taxes correctly on the used vehicle loan assessment, in which I was told, management would get back with me regarding that, because the current staff was unaware, but I never received any notice regarding what I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclayss Bank is reporting inaccurate information on my credit report. Barclays Bank Delaware supplied the 3 major credit bureau with inaccurate information about a 30 day late fees in XX/XX/2019. The late fee was removed and expunged from my account and I was refunded. There was an error on Barclays behalf and my account was corrected. I called customer service and they said that the late was removed in their system. I have disputed the error and reported this to Barclays but Barclays have failed to correct the credit reporting. Please remove and corrected the inaccurate information with all the 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 2021-10-08 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:
Someone has been using my social security number to obtain vehicles, housing, etc. Also there are addresses from XXXX XXXX attached to my credit file. I am a Alabama native.and have never resided in XXXX XXXX please see police report attached

Company response to consumer: Closed with explanation