vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I reached out to Equifax to unlock my account so I could life a credit freeze. For some reason they couldn't get my account to unlock. I also called their customer service number to attempt to lift my credit freeze over the phone, which they said they did, but it didn't go through. I'm applying for a mortgage and it's holding me up from continuing because I can not log into my account even after the allegdly reset the password. 

I'd like to be able to access my Equifax account to freeze and unfreeze my credit as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

XXXX  sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the Ally note was paid in full, XXXX  is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score FIFTY ( 50 ) points.

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 2021-08-03 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: EdFinancial Services
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THESE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EdFinancial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for a VA REFI to TRUIST banking in MD. The customer service with processing the loans makes me consider how much fraud, waste, and abuse the banking industry has against federally protected loans. 

The loan processing has taken over 7 months from initial documentation submission with no resolution with underwriting. The initial documentation that was submitted to the processor occurred on XXXX XX/XX/2021, with no activity between XXXX and XXXX. The processing took place on a reoccurring basis where TRUIST could not address concerns before submitting to underwriting on XXXX XXXX. The policy was for underwriting to process within 10-14 days. No correspondence to underwriting occurred until XX/XX/2021, with requirements to submit more documentation that could have been addressed earlier in the process. To my understanding, TRUIST continues to pay fines to fulfill promises on the rate agreed to. Still, the processing has incurred an additional 7 months of payments at a higher rate with no recourse for the customer to address concerns. All customer service complaints are addressed by sales or operations within TRUIST with not the venue to engage to address concerns across either department. 

Communications with the MD regional office has not improved any of the processing and issues with the customer 's needs. 

The lack of attention is incurring costs on veterans even though the program is designed to protect veterans. A follow-up letter will be sent to state congressional representation complaining of the waste that is occurring in the banking industry. 

My loan officer can attest to the problems with the TRUIST process of VA loans.

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 2021-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

Equifax sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the XXXX note was paid in full, Equifax is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score XXXX ( XXXX ) points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXXI received the first initiation of debt from the XXXX XXXX XXXX XXXX that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that Resurgent Capital Services, LP manages LVNV Funding, LLC on behalf of the XXXX XXXX XXXX XXXX. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that Resurgent Capital Services, LP ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

Resurgent Capital Services, LP continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX received the first initiation of debt from the First National Collection Bureau that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that XXXX XXXX XXXXXXXX XXXX manages XXXX XXXX, XXXX on behalf of the First National Collection Bureau. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that XXXX XXXX XXXXXXXX XXXX ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

XXXX XXXX XXXX, XXXX continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Loan Servicer states the following on XX/XX/2021 communication to Borrower : " You previously indicated that you have been impacted by the COVID-19 pandemic. '' " The existing payment relief provided on your account is coming to an end. '' Borrower Concerns : Loan servicer is not providing date on when COVID-19 relief assistance is coming to and end. 
Loan servicer proceeding with foreclosure while payment relief due to COVID-19 pandemic is still active.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, XXXX " XXXX '' XXXX need to be investigated. Sadly I am not the only one. They have failed at customer service and fixing costly mistakes that hurt consumers. I do not expect this company to fix my credit report, but to bring awareness to this bureau. Please I am not the only one. Take a look. 
https : 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 2021-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I ordered XXXX XXXX XXXX for my nephew 's B-Day XX/XX/XXXX with an arrival date of XX/XX/XXXX, last status check showed XX/XX/XXXX. I switched the delivery location from my home to XXXX, however, I never received the shoes. I checked XXXX first in which 3 different enployees said the shoes weren't there and then I contacted XXXX and XXXX, both companies said they started a claim, but I never got a refund or the shoes therefore I contacted Capitalone, who gave me a temp credit, but took it back after XXXX submitted 1 false receipt of delivery even after I submitted several documents contradicting I ever received the shoes. I even had to purchase the same sneakers from XXXX XXXX shoes since I didn't receive the shoes from XXXX and I informed XXXX and XXXX know that if the shoes were in transit to keep them since they didn't arrive as stated and that I wouldn't accept anything from them. 

Also, I checked with my Leasing Office after seeing the charge back on my account for the XXXX shoes and calling Capitalone the rep stated the shoes were delivered to a XXXX zip code. My Leasing Office gave me a document showing a package was delivered there by XXXX on XX/XX/XXXX signed by XXXX the Property Manager, but XXXX came back on XX/XX/XXXX and picked up the same package. I explained all of this to Capitalone and submitted several documents of proof however they are refusing to refund me for an item I never received. XXXX never refunded me either. 

Also, informed all companies that there was 2 items listed for that one tracking number, but no one could explain why. Also, not sure why XXXX delivered shoes to Leasing Office at all when my request was for XXXX pickup?? That couldn't be explained either. 

Also, per Capitalone rep XXXX submitted 1 receipt that shoes were delivered on XXXX, however I have submitted a document contradicting that from their site as the shoes were still in transit, shows delivered on XXXX to XXXX which wasn't true after calling XXXX & doc shows shoes were then picked up by XXXX and delivered XX/XX/XXXX assuming that is the Leasing Office where the shoes were then picked up by XXXX on XX/XX/XXXX according to the Leasing office document, and now the shoes are in Limbo, but I'm being charged for them. 

I also feel this is retaliation because I informed Capitalone that once the case is resolved and I get my refund I'm closing the account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: SC

Complaint narrative:
I XXXX XXXX the natural person have been attempting to resolve my consumer report for months with this company and haven't been getting any cooperation. I have sent them letters called them and I still get no results. I know that it is illegal for them to furnish my consumer report according to the FCRA unless they have my written consent to do so. I asked them to send me the letter that they have from me where I stated that they could furnish it and all I kept getting back were updated accounts. They couldn't even tell me who they investigated with for them to come back verified after the investigation. This is starting to feel like a form of oppression because I can't even use my right of extending my own credit because of these unlawful practices. This is infringement on my privacy and I am very displeased that they just ignore my request as a consumer. They are very consistent with stall tactics by sending letters stating that this is not me filing this complaint and it was a credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
I filed a complaint against Equifax on XX/XX/XXXX, Report # XXXX. However, when my mortgage company pulled my credit on Tuesday, XX/XX/XXXX nothing was changed or properly updated by Equifax. Equifax report still shows the final reported MOP codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. This is time consuming and frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect MOP code that is still being reported on my Equifax credit profile. Previously, on XX/XX/XXXX our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX  and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
My son, with me as a co-signer, rented an apartment from XXXX until XXXX. My son vacated on XXXX and, after a walkthrough, both parties agreed on a cleaning fee and a small amount for damages. Legal possession was given back to the landlord on XXXX. The company refunded our security deposit on XXXX for the agreed upon amount which included the cleaning fee and the small amount for the agreed upon damages. 

Inexplicably, in XX/XX/2020, they added charges after they refunded security deposit and double-charged for items they had already deducted from the security deposit ( and actually charged more for said items ). They never sent a bill or any notification out for the additional charges ( because they knew that was going to be contested ). So, what they did instead is send the old account to a collection agency 8 months later. As soon as it hit my credit report approximately on XXXX - which is the first time I learned of any purported charges - I contacted both XXXX at XXXX. He did not respond but my son received a ledger randomly. Once I reviewed the ledger, I emailed XXXX as well as Hunter Warfield and neither has responded. That second email was sent on XXXX. 

So, I am having to waste time disputing with each of the credit bureaus this account and am reporting them so that they dont do it to anyone else. Because they rent to college students, it concerns me that this may be a pattern or practice of adding charges after a security deposit is refunded, refusing to respond, and negatively impacting a student ( and the co-signing parent ) credit.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX I settled a credit card account with Macy 's. The account was closed, however a duplicate of the account was also added to my credit report. The account has two separate account numbers, but the account ending in XXXX clearly states that it was previously closed or sold. In credit disputes in XXXX, XXXX and XXXX I have requested the duplicate accounts be removed from my reports. Each time the creditor reports to the credit bureaus that the information is correct and the disputes are closed. I sent letters to the credit in XXXX and XXXX requesting the deletion. On XX/XX/2021, I received a letter stating that their would be no change because the information is correct. I called after receiving that letter and I was told that the info was still under investigation because I had opened a new dispute with the bureaus. However, On XX/XX/2021 I received notification from the bureau that the dispute was closed and the information is correct. I called the creditor again and was told that they are only showing the one account in my name with my social and I should file an appeal. I was also informed that although I'm doing what's requested, I would probably would not get a deletion because " we don't do that ''.

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