vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
On XX/XX/20 I 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got 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 2020-12-29 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020 and XX/XX/2020, CONSUMER PORTFOLIO SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XX/XX/XXXXdata 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 2020-12-29 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: TX

Complaint narrative:
On XX/XX/2020 I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I 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.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I 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.

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 2020-12-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX, a restaurant in XXXX XXXX XXXX SC. I dined with my son and paid the {$81.00} check ( incl tax and tip ) with my American Express card. The next month upon reviewing my bill, I noticed a 2nd charge for {$190.00} from the same restaurant on the same night that did not belong to or was authorized by me. At that time I began dispute resolution with American Express. 

The dispute process has been difficult with numerous calls to Amex customer service. Initially Amex refused to open an investigation, but after several months of calls, they finally agreed to investigate and contact the merchant. Today ( XX/XX/XXXX ) I received a letter from Amex regarding the results of their investigation. Their letter concludes, in part, " after reviewing ( XXXX XXXX ) explanation, we've determined you're responsible for the amount in question. '' They included documentation supposedly supporting their claim it was a duly authorized charge. However the documentation, an email chain from XXXX XXXX, CLEARLY indicates that the XXXX XXXX agrees with my claim. One email states " We have researched the disputed info find the customer is correct. '' A second internal XXXX XXXX email states " we are definitely in the wrong '' and goes on to suggest the waiter be fired and that this may not be that waiter 's first such offense. Despite this evidence, Amex has concluded I am responsible for the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Experian, XXXX and & XXXX have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020 and my most recent is early XXXX. The total debt amount is less than {$8000.00}.

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 2020-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CAPITAL ONE AUTO FINANCE FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2020-12-29 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2020, purchase for XXXX XXXX XXXX XXXX XXXX XXXX, totaling XXXX.after order cancelled, seller XXXX XXXX  many weeks later, coins were fake.second dispute order for XXXX XXXX totaling XXXX on XX/XX/2020, coins were also fake.sudmited claim to credit card company.send pictures with coins weight.after refuse claim.they insisted on get paid.I even call XXXX FBI office and report fake usa coins.sellers return shipping address were also invalid.they have ruin my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: WA

Complaint narrative:
I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company Gc Services that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with Gc Services and have not received that documentation from XXXX. XXXX  is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I'm filing this complaint, because I have tried to avail to have Capital One Auto Financing to stop reporting my account information concerning this debt, this debt begin in XXXX and they informed me they will continue to report until XXXX. According to CFPB a negative debt can be reported from the first day/month of delinquency for 7 years, my first delinquent payment was in XXXX and its now XXXX. Capital changed the acct status to closed also. I would like for them to stop reporting a debt that is beyond the statue of limitations. 
In XX/XX/XXXX I reached out to Capital One Auto Financing concerning a car I purchased in XX/XX/XXXX. Due to medical issues the payments begin to fall behind in XX/XX/XXXX and remained 60 to 90 days past due the remainder of the loan. In XX/XX/XXXX I called Capital One Auto Financing and settled the account for less than amount due, then My credit report with all 3 major credit reporting agencies reflected payment after charge off.now it reflects closed as of XX/XX/XXXX and this acct is more than 10yrs and 10 months old, I received a letter from Capital one on XXXX XXXX concerning the accuracy of their reporting to credit bureau which I will enclose. 

Thank You for Your Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Block, Inc.
State: PA

Complaint narrative:
I contacted y'all on XX/XX/20 to dispute a payment from XXXX XXXX {$99.00}, and I never got an email back about disputing it. I need to dispute it Because they billed my card without my permission. I can't get ahold of the company because they were a fraud company and shut down their business after taking people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
AmeriHome, the mortgage servicer for our home loan, has proven multiple times that they are incapable of making tax ( School , County and Property ) payments on time out of the escrow account subjecting us to out-of-pocket late fees and notices of delinquency. 
It is impossible to get a hold of a customer representative over the phone which leads us to feel helpless towards the situation and afraid of the legal repercussions due to their lack of professionalism. This is a stressful situation that has taken a toll in our lives. 
AmeriHome has made it abundantly clear that they do not have the consumers interest in mind which begs the question : If the sole purpose of a mortgage servicer is not met, should they be licensed to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Security National Financial Corp
State: UT

Complaint narrative:
Security National Mortgage is reporting inaccurately on my credit report. This account was transferred to XXXX  XXXX and I have been paying my dues with XXXX  XXXX on time every month. Not once did I ever need to pay Security National because it was transferred Immediately. Well recently I checked my credit and noticed that Security National Mortgage was reporting me late and still had this account open?!? I received a letter from Security National that my account was closed and sold to XXXX  XXXX so why is it reporting lates and a balance? This is a violation and needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: ERC
State: OR

Complaint narrative:
On XX/XX/2020, ENHANCED RECOVERY COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2020-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Filed a complaint with you on XX/XX/XXXX # XXXX. I received an email from Bank of America That XXXX XXXX Officer ; Resolution Specialist phone number XXXX ext XXXX and IMUST CONTACT HER by XX/XX/XXXX. I have called her five times and left voice messages for her to call me back. As of today she has not called me back. This is typical for Bank of America no body ever calls you back.I am again asking you for your help and getting her to call me back to move the process along which I have come to the realization that they really don't want to do as they want to keep my interest rate high as every month that passes they make more money.Thank you for all your help. XXXX XXXX XXXX XXXX # is 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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a transaction on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$1400.00}. There was a transaction on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$1400.00}. I submitted three claims with Suntrust regarding the issue XX/XX/XXXX, XX/XX/XXXX case numbers XXXX, XXXX and XXXX. Suntrust closed claims stating information was incorrect and the rep stated how should it be filed. Suntrust stated they haven't received documents and a rep stated to email documents to XXXX which I emailed on XX/XX/XXXX atbXXXX 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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Primary Issue : I have two credit cards with Chase Bank. 
I would like to close them. 
The website does not allow the user to close the account and directs the user to contact Chase via phone. 
The phone menus do not have any options for either closing the account or talking to a representative. Phone menu options that include closing the account return the user to other menus to go back to where the user started from. 

Second Issue : There are two fraudulent charges on one of the accounts. There is no way to resolve them without talking to a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ASAP Credit Repair
State: AK

Complaint narrative:
This is the second complaint I will be filing on this same issue. I tried to resolve this issue with the owner after the first complaint was filed with no results. After he received it he contacted me and asked how he could make it right to me. I told him all I wanted was for this negative item to be removed from my credit report from XXXX XXXX and XXXX. He had already successfully gotten it removed from XXXX. This item was intentionally left on my credit report after 2 rounds of dispute letters so that he could sell me another 2 rounds to get it removed. After a 3rd and 4th round the item is still on my credit report. I received an email from him stating that on XXXX he had filed dispute letters with all three bureaus to get this item removed to resolve this. Once again he lied to me and never filed any dispute letters with the bureaus like he told me he did in the attached document. On XXXX I contacted XXXX  and XXXX  and they both told me that the last time a dispute was received on this item was XXXX. I contacted them again on XXXX this time from my lawyers office so he could listen to the conversation on speaker phone and hear and record the response and once again they both said the last time a dispute was received on this item was XXXX. I have recently been turned down for a loan in the amount of XXXX because of this negative item on my report that the owner does not want to make a good faith attempt to remove like he tells me he is doing in emails. See attached documents. This is the second time in a row that i have been lied to by this company telling me that they are filing dispute letters on my behalf when in fact they are not. See the attached document and refer to my first complaint that i filed on this same issue..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation