vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I requested specific information from XXXX in order to resolve an issue with Golden 1 Credit Union. I reached out to Golden 1 Credit Union President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to XXXX in XX/XX/XXXX. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as XXXX and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that XXXX must have received my letter on XX/XX/2020, yet on XX/XX/2020. XXXX generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that XXXX is in violation for not researching my request.

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 2021-03-11 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: FL

Complaint narrative:
Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX  # XXXX I was never late, on Transunion and XXXX stated that i was paying " Exceptional '' but XXXX has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late

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 2021-03-11 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:
Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX XXXX XXXX I was never late, on XXXX  and Equifax stated that i was paying " Exceptional '' but XXXX  has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
This is the 3rd time it's happened. I have 3 mortgage loans with Flagstar Bank. On XX/XX/2021 I have all 3 payment wire from my personal account. Two of the payment posted on the same date, 3rd one is missing. I called them on XX/XX/XXXX, and provided them with transfer ID and trans code, their customer service advice will take 3-5 business days for them to research and locate my payment which already cleared and I have confirmed with my bank. And they will call/email me with the solution. On XX/XX/XXXX, I checked and call back due to my payment has not posted. They tell me they are still researching and will take 5-7 business days. I always made payment on time, to avoid late fee and ruin my credit, I have made one additional payment to keep it current and request mortgage statement. And request my case to be escalated. But nothing was done. My 2nd payment posted, 1st payment still not, no mortgage statement issue, no phone call, email follow up or response from Flagstar Bank. I called back on XXXX XXXX other rep tell me It would take 7-10 business days for them to research my payment. I seek out my bank they say it would take them minutes to find that payment. I don't understand why I got difference amount of time every time I called. Is Flagstar bank professionally train their employees and get every one on the same page. All I want is the honest answers and locate the payment they already received and apply to my account timely and accurately. I'm happy to provide all the detail if required for further research.

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I applied for three Loans with Amerisave in the first week of XX/XX/2020. 

Loan A- Loan amount XXXX Loan processing started in the first week of XXXX and it is now XXXX XXXX.The loan has been in approved status for sometime. However Amerisave is not closing the loan. Amerisave is saying they are waiting for the management 's approval to lock my rates. Amerisave refused to lock the rates even after my repeated requests to lock it. Initially Amerisave told me that they don't lock the rates, however I am guaranteed to get the rates in the initial disclosure, if the rates go up. Now they are saying they need management approval to lock the rates. 
Loan B - Loan amount XXXX Once I paid for the appraisal, Amerisave told me that I can't refinance this loan, because of seasoning requirements of the existing loan. I lost the appraisal fee. 
Loan C - Loan amount XXXX It took two months to close this loan. The rates were floated. Initially Amerisave said I can lock the rates anytime. However when I asked Amerisave to lock the rates, I was told that, Amerisave don't lock the rates before closing and however I am guaranteed to get the rates in the initial disclosure, if the rates go up. By the time of closing the rates went up slightly however Amerisave kept their promise. So no complaints on this loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: UT

Complaint narrative:
Equifax has lowered my credit score by at least 7 points fraudulently. The reason give they said my account - XXXX XXXX had been closed which negatively impacted my credit score. My account XXXX XXXX is open and in good standing. This is not the first time my credit score has been negatively impacted by incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Account was opened by my ex wife. We are in court right now trying to get her to pay.

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi sir/Madam, I have deposited XXXX XXXX coin from my XXXX origin XXXX XXXX to coinbase account, but still now it was not received to my coinbase account, iam loosing my amount due to this, I used correct address and memo number to transfer it, so i not made any mistake, i have checked twice before sending it, I have attached my transaction details for your review, Regards, XXXX

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

Complaint narrative:
I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started XXXX my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to a Capital One bank location in XXXX Texas to make a {$360.00} cash deposit into my checking account using the atm. The atm was counting my cash and then kept making clicking noises. The atm screen popped up a message that the atm will not be able to except or give cash transactions and my card was returned. I got my card and then notice the atm took itself out of service. I call Capital One and made a claim to be advised it would be 10 days for a credit to be applied. I would assume since they told me that this issues are just unheard of, they would have investigated with urgency. After my first car payment was returned for NSF, I drove by the atm to see it has been serviced and back in use.

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

Complaint narrative:
Equifax has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, Equifax refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.

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

Complaint narrative:
I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ).

The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
In late XXXX, a surprise adverse account was furnished to the credit bureaus XXXX XXXX Equifax, and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and Equifax says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.

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

Complaint narrative:
I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.

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

Complaint narrative:
In late XXXX, a surprise adverse account was furnished to the credit bureaus ( XXXX XXXX and Transunion XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX 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 2021-03-11 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: FL

Complaint narrative:
In late XXXX, a surprise adverse account was furnished to the credit bureaus ( Experian, XXXX and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2021-03-11 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: NV

Complaint narrative:
I sent in my letters to removed errors off my credit report I haven't got my investigation results and it has been more then 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, XXXX refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates

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 2021-03-11 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: GA

Complaint narrative:
I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.

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