vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, Transunion, and XXXX  XXXX. I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXXDate of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.

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 2020-12-16 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:
XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXX-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX ) at XXXX XXXX  XXXX XXXX, CA XXXX for a validation of a debt I allegedly owe in the amount of {$670.00}. I received a response back from XXXX that did not provide me the with the information, I had requested from XXXX which is outlined in FDCPA 15 U.S.C 1692g. In addition to this there are other violations XXXX and Experian is committing. When I sent the notification of dispute to Experian and XXXX that account was " Not Marked as Dispute ''. This is required under 15 U.S.C 1692e ( 8 ) and 15 U.S.C 1681s-2 ( B ) ( 3 ). Also, from my understanding the Metro 2 is the agreed upon Industry Standard that supposedly provides a more accurate way of reporting to ensure the " Maximum possible accuracy ''. If this is the case, then why is XXXX XXXX Account XXXX redacted? XXXX. The way that this is being reported could be any of many numbers associated to any account, which could be a mixed and merge account of anyone. This account also, fails to report the Date of First Delinquency, Date of Last Payment, and Date Closed. This is not only incomplete and inaccurate reporting but an act of defamation. I'm providing documentation to help make it easy to see my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I refinanced my home, the closing was on XX/XX/2020. I refinanced the house with the same lender, just to reduce the interest rate. They offered me an FHA streamline program and I accepted. It happens that my old account is still open, they should not charge my old account, but they did it and I had to pay my monthly charge on XX/XX/2020. My new account is open as well and I owe a payment in both accounts on next XX/XX/XXXX. I checked my credit report and I have two mortgage accounts, and of course ; the amount owed has multiplied by 2. I contacted my loan processor, by phone and email. I sent several emails and I still don't have an answer. I called the company and the old mortgage is open because it hasn't been funded. This is a matter of concern for me. It's affecting my credit and I owe two mortgage accounts. I haven't receive my copy of documents of the new loan.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Surprisingly, Bank of America did not care much about this edd card fraud that is going around lately. 
I found out that this scammer is taking my money from edd card starting from XX/XX/20 to XX/XX/20. 
They took out {$1000.00} per day total of 5 times at multiple atms. I can send photos of my bank transaction page as well. 
I'm % 100 sure that I've never used this card anywhere else other than atm to take out cash to deposit to other bank to pay my bill. No internet transaction, no store transaction at all. So I am highly suspecting that the atm I always went was the place where my card got hacked. Also, the card was with me when this scammer is using my card. 

Here is the address of that boa branch that I always went to use atm. 
Location : XXXX XXXX XXXX, XXXX, CA XXXX ( inside of XXXX XXXX  ) I called Bank of America edd department right after i found out that my card was duplicated and had been used somewhere else, and talked to claims department on the next day in the morning since they were closed. They told me to wait about 10 days to get the additional info about my claim and i was told that it might take up to 90 days to investigate. Today, I just got letters that says they are going to close my claim due to suspicious activity on my account and the letter was generated on XX/XX/20. Just a day after i called them. They did not ask a thing about what happened. All they took from me was dates and amount. I dont get how they came with this decision when they have no information. I later even found out that the card was used just 4 min later in different city on the same day i actually used my card and found out irregular balance on my account. I called boa a few days ago before i got the denying letter and i told them i want to send some proof to them as well but they denied it by telling me there isnt any direct fax number or email address to claims department and told me to just wait. And now, all i got is a letter that states i am the one who used the card. I was shocked how ignorant they are. I know XXXX dollars can be a small amount for some rich people but im not one of them. If i was the one who is filing a false claim, i wouldnt have made police report. XXXX police is currently investing on my case as well. Please help me. 
I can provide any info if you guys need. 

My email 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 monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discovercard has sent a letter threatening legal action with a deadline to respond to the threat of legal action. The deadline to respond is several days previous to the date the letter was generated, ( the letter shows the date it was generated ) and sent to myself via Priority Mail. I did not recieved the letter in the mail until 2 full weeks past the deadline in which they are threatening legal action against me. So I could have never responded to their deadline in the time they specify to avoid their legal action, and furthermore they generated the letter to inform me of legal action against me after a certain date, and literally didn't even create the letter and/or inform me of the deadline until after the deadline was already past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
This will be the third and final attempt before I start legal action on Experian Credit Bureau. They do not want to follow FCRA articles 603/605 regarding the removal of items over 7 years old. the last email I received from them Dated XX/XX/2020 said the information I provided them was insufficient. The information came from XX/XX/XXXX Credit Bureau who received the same letter I sent to Experian. Only difference is they did their job, investigated and deleted the item from their report. I will upload copies of all information pertinent to this matter. It's bad enough, they have the right to sell my personal information for a fee. They could at least make an attempt to get it right.. They are a very difficult company to do business with and have a low regard for the general public at large.

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 2020-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Self Financial Inc.
State: DC

Complaint narrative:
The monthly XXXX dollar payment made to self XXXX  account on XX/XX/2020 was not credited to my account balance by Self XXXX. The statement says that a payment was not made in XXXX and that I am behind XXXX dollars which is not true. I believe they are retaliating due to a previous complaint made to the Consumer Financial Protection Bureau and publishing it for others to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, Transunion, and XXXX  ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )

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 2020-12-16 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:
XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )

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 2020-12-16 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have attempted to reach out to this company to find a resolution for the inaccuracies and inconsistencies of their reporting. My FCRA rights have already been violated at this point as this particular account has consistently reported on my credit report incorrectly. I dont need them to " verify '' that this account exists etc ... I need them to rectify the FCRA violating information. I noticed CHRYSLERCAP XXXX had a discrepancy in the " payment history '', " high credit '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Since this account is reporting as a collection/charge off there should be no " payment history '' attached. The " high credit '' balance for XXXX  is {$10000.00} however, for XXXX  and XXXX  its {$16000.00}. Since this account is reporting as a collection/charge off it also should not be reflecting a " past due '' balance. This account is showing a " past due '' balance of {$12000.00} which is a violation. If this is the same account, reported by the same creditor how are these numbers and dates different?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: AL

Complaint narrative:
I had a charge from XXXX XXXX  back in 2018. It was a charge from XXXX XXXX  satellite company. It was for equipment that was lost in transit when I closed the satellite account. I sent the equipment back and it was either stolen or lost. XXXX XXXX charge me for it and I told him I was not going to pay it. So it went to this company. My bill with XXXX XXXX has always been 100 %. My credit profile is also pristine and I have exceptional payment history with every creditor I have. In this collection is a defamation of my credit profile. Ive disputed it three times. And it was resolved on XXXX XXXX and the XXXX  bureaus. It was deleted from my credit profile in XXXX of this year. I had been on a three-way call with the creditor and experience for two hours. And we could not resolve the issue. XXXX  interstate is a terrible company and they said its against their policy to remove some thing. And Experian just wanted permission from them to remove it from Experian. I dont care if the creditor keeps it on Their end or not. But when Im trying to buy a house this is not working out and it does not justify my background and credit history and is almost illegal because it wasnt a collection on my actual satellite account. I should not have even paid the bill off. I paid it a month or two after it showed up on my credit report and shouldnt have out of Ethics because I shouldnt be responsible for it. Please request the phone call I made last week from XXXX. It was a three way call with Experian, XXXX and myself for 2 hours.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from Flagstar Bank saying I had a new loan number and nothing else. I thought it was spam and discarded the email. I find out on XX/XX/XXXX that XXXX XXXX  had sold my loan to Flagstar Bank and no notice from either was given until after I set up my account with Flagstar Bank and paid the bill via email. On XX/XX/XXXX I tried to pay my loan online using the same credentials from XX/XX/XXXX and they are unable to match me in the system so I had to pay late on XX/XX/XXXX and they said that it should work. Now today XX/XX/XXXX I have the same issue and now will have to pay late again.

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 2020-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have asked XXXX, XXXX, and XXXX  along with SANTANDER CONSUMER USA to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.

Company response to consumer: Closed with explanation