vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I used to have insurance with progressive and then I got a cheaper rate so I cancelled them but the didnt canceled and kept it on and called multiple times to get it turned off but they never did and now they are charging me for something I didnt want. They are charging a lot of people for wrong reasons. Firstly they said I owed them {$1000.00} and then when I called disputed that they still charged me this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I am applying for a VA cash out refinance loan. I have been given disclosure documents, and the loan has always been based on a 100 % loan to value basis. The lender knew this is what I required and said they could make this loan. 

Now at the very last minute, the lender says the VA guidelines have changed And they can only do a 90 % loan to value refinance. Oh I can not locate any VA guidelines supporting this claim by the lender.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: OH

Complaint narrative:
I PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: OH

Complaint narrative:
I PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.

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 2020-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent MY OWN dispute to TransUnion and they denied saying it wasnt me directly. I AM NOT WORKING WITH A CREDIT REPAIR AGENCY. All I want is a fair investigation.

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 2020-12-04 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: DC

Complaint narrative:
I tried reaching out to the creditors ( XXXX/XXXX & XXXX/XXXX ) in addition to the credit bureaus ( XXXX, XXXX, and XXXX ). To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.

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 2020-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
A loan for {$1000.00} Agreed payback of $ XXXX the rate of {$130.00} for 10 consecutive weeks. 

I look on the website, and it says {$4300.00}. 

That's {$3300.00} of interest on a {$1000.00} payday loan. So far, I've made 5 payments of {$130.00} each -- all on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-04 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/2020 I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: OH

Complaint narrative:
I PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.

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 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am XXXX XXXX a federally protected consumer. Synchrony Bank/Gap is in violation of 15 usc 1692 FDCPA, 15 usc 1602, Truth in lending, 15 usc 6802, privacy and obligation, 15 usc 1681 FCRA. With these violations they have harassed and used unfair practices to coerce me to pay them when the debt isn't mine and was already paid. Please see attached violations.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXXXX/XX/XXXX balance : 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 2020-12-04 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: DC

Complaint narrative:
I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXX Equifax, and XX/XX/XXXXXXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: DC

Complaint narrative:
I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXXand Experian XXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXX XX/XX/XXXX balance : 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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXX XX/XX/XXXX balance : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: NY

Complaint narrative:
UNABLE TO OPEN ACCOUNT. 
THE COMPANY DOES NOT TELL ME WHY. 
I NEED TO KNOW SO I CAN FIX THE PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: NY

Complaint narrative:
XXXX XX/XX/XXXX reported my account 30 days late when in fact my account was paid on time I made a {$34.00} payment on XX/XX/XXXX due date XX/XX/20 then I made another also made a {$25.00} on XX/XX/XXXX. Another payment of {$490.00} on XX/XX/XXXX minimum due is {$27.00} XX/XX/XXXX closed my account and days I was 30 days late when my payment wasnt late I made more than the minimum payment XX/XX/XXXX reported XX/XX/2020 30 days late when my account was closed in XX/XX/2020 and paid off

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 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
I have opened an account with Coinbase on XXXX the XXXX,XX/XX/XXXX. At that occasion and for a couple of days I had full access to my account, which includes a second-step verification code sent by my phone. I bought currency, which I assume they have on " my wallet ''. I have the same phone and it works just fine. 
On XXXX the XXXX, when I tried to log into my account, the system confirmed having sent the code but the code never appeared on my phone. I tried it at least ten times before filing a ticket with customer service. 
XXXX never got back to me. There is a phone number to call but I made it crystal clear that I can not speak on the phone because I have hyperacusis : the phone background noise causes extreme pain. They must, according to the American Disability Act, contact me in written form. 
I tried contacting them through their social media ( XXXX and XX/XX/XXXX) then. They ignored my complaint. 
They have my money, they locked me out of my account and they refuse to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
The medical bill is wrongly billed. Instead of medical office billing government insurance issued from medicate and or workers compensation from the United States postal service they have falsely billed me. I tried contacting medical office but everyone keeps giving me the run around stating I need to speak to another person. I contacted debt collector and they stated I have to specific information such as workers compensation case number and etc. They also said to have my medicate insurance policy number in which led me to call medical office so I can retrieve this old information. I have given all this information to medical office when I was seen and yet they still billed me wrong. I shouldnt have to suffer any longer for medical office mistake. Depot collector should verify information since they took the debt. Both parties need to communicate and vindicate my name / credit because I am not responsible for this debt. Please help me because no one at the medical office is willing to help me with any information of billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I received a letter from capital one for the amendment concerning my late payments that it has been corrected. On XX/XX/2020, I checked my credit report and found out that capital one placed a late payment for the month of XXXX which I have made the payment on XX/XX/2020 and this left a negative mark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CT

Complaint narrative:
I have a legal settlement agreement with XXXX XXXX that has been paid in full as of XX/XX/2020. I filed a dispute with all three bureaus and 2 of the 3 has been updated to reflect a XXXX balance as of XX/XX/2020. I have submitted 8 investigations to experian who continues to state that the information on my credit statement is accurate ( which shows i have a negative balance of XXXX past due. I have sent the payments made, the settlement letter and letter stating the final payment made, and this has still not rectify the wrong reporting on my credit file with experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I was charged {$500.00} upfront before I could even get any kind of information on rates. I feel I was locked in with costly up-front fees. I actually paid {$500.00} just for an credit inquiry and some e- sign documents. I couldn't get a rate lock only what they call a float rate which isn't what I wanted. I didn't even need an appraisal because I got an appraisal waiver. The person I was working with only spent the most an 1/2 hour on phone. We did communicate by e-mail some. I have all the e-mails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I was unable to access my mobile banking account. I was given a error page that stated my account is locked and to call XXXX XXXX XXXX XXXX XXXX. Bank of Americas accounts closure department. I called to learn that all of my accounts with Bank of America were closed due to fraud accusations. I was given minimal information because they were unable to see transactions going back further than 30 days. But they accused me of accepting deposits from a fraudulent Employment development check card totaling {$190.00} and thats all they could tell me. XXXX the representative said that after the investigation I would receive the remaining funds in the mail by check. I deny such accusations. I myself do not receive unemployment benefits. Bank of America is contracted with the XXXX to provide check cards to individuals that receive benefits. I called that department. They stated that anyone with a routing and account number can make deposits into anyones account and the names do not need to match. Bank of America allowed this fraudulent activity to occurs and in return without warning accused me of fraud. Closed my accounts I still have not received my money. I have not paid my mortgage or car payment. I am a single mother of XXXX children. This is a tyrant banking system! I am unable to retrieve account summaries as they locked my account I do not get paper statements.

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