vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Back in XXXX I disputed an account with Transworld Systems Inc. They did not respond to that letter. They are reporting on my credit, I believe it is my right to request information. They have since added another account to my credit for seemingly no reason at all. They have never sent me any information at all, ever. This is extremely disturbing. PLEASE HELP ME! THEY SHOULD NOT BE ALLOWED TO JUST REPORT INFORMATION ABOUT SOMEONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NC

Complaint narrative:
After getting an update from Experian that my school dropped I pulled it myself and saw that XXXX XXXX was reporting me that was 7 times late. And It showed the months of XXXX - XX/XX/2017. I went and pulled my bank statements and showed that i WAS NOT 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 2021-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have written to Chase on XXXX XXXX XXXX XXXX occasions regarding a misapplied payment and the inaccurate reporting of a late payment. Chase has been provided with proof of payment. Despite being provided with proof of payment and being advised on numerous occasions regarding the misapplication of the payment and the reporting of the inaccurate late payment, Chase continues reporting an inaccurate late payment as well as an inaccurate account balance with XXXX XXXX XXXX XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: VW Credit
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be XXXX XXXX XXXX XXXX XXXX I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TX

Complaint narrative:
I reviewed a report from XXXX XXXX XXXX XXXX XXXX. I do not think they used the correct information when I applied for a loan with them. My Credit score shows XXXX on the disclosure they sent. I have monitoring and the score is XXXX. I do not think they used updated and accurate information and that may have cause a higher interest rate. I would like this looked into. They should be following proper Procedures.

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 2021-02-23 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
XXXX XXXX account ending in XXXX was re-billed in the amount of {$370.00} on XX/XX/XXXX, XXXX. This charge was reported as fraudulent along with another charge, {$350.00} to XXXX, the charges came in a day apart on XX/XX/XXXX, XX/XX/XXXX, I believe as I do not have statement available at this time. Prior to this, I called XXXX, the fraud department numerous times at XXXX, extension XXXX, a rep by the name of XXXX. No one pics up the phone and keep getting a voicemail, even when entering extension. credits were issued to account for the charges, however, it appears XXXX has been re-billed and do not have an explanation. I was able to resolve XXXX charge by chatting with several online chat reps, a refund was issued to card ending in XXXX, which was reported lost/stolen as well as the fraud prior. I was unable to resolve fraud charge with XXXX reps, they advised me to report it as fraud which I have. Unfortunately, it appears the bank expects me to pay it, since it was re-billed. I have not received anything from XXXX in relation to this charge. Further, it is not my responsibility to resolve fraudulent charges with merchants as I have with XXXX, the bank is supposed to work out such charges. Luckily, I was able to get a refund from XXXX, I have not had same luck with XXXX. I request bank to re-investigate charge, issue credit if possible.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle mortgage has not refunded an overpayment we made in XX/XX/XXXX. 

The confusion began when Dovenmuehle put us into a COVID forbearance without our consent. After numerous attempts to get our extra {$2000.00} XX/XX/XXXX payment back, I am still without that overpayment. We refinanced away from Dovenmuehle in XX/XX/XXXX and this {$2000.00} was never accounted for in our closing and remains outstanding. 

I have proof of payments made to Dovenmuehle from my bank ( s ) AND the Dovenmuehle website : XX/XX/XXXX {$2000.00} XXXX mortgage pmt from XXXX XXXX XXXX XX/XX/XXXX {$2000.00} extra payment made by mistake from XXXX XXXX XXXX XX/XX/XXXX Stop payment on XX/XX/XXXX executes for XXXX XXXX XXXX XX/XX/XXXX no check was ever received by us so that line doesnt count for anything XX/XX/XXXX Another {$2000.00} XXXX payment made to Dovenmuehle from my XXXX XXXX account to avoid threats of bad credit reporting from Dovenmuehle So we made 3 payments of {$2000.00} in XXXX and Dovenmuehle claimed we were late with our XXXX payment and threaten to tarnish my credit. There is no evidence showing where Dovenmuehle has returned any of these funds only the stop payment prevented the XX/XX/XXXX payment from going through. The XX/XX/XXXX check is a phantom - Dovenmuehle has failed to produce any evidence of this check being created, sent, or cashed. 

Ive had to spend a total of 5 hours on the phone with Dovenmuehle agents and supervisors and have gathered this proof just to document Dovenmuehle 's error. 

We are paid our mortgage diligently and any late fees need to be refunded as well. Any negative credit reporting must also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MidAmerica Mortgage Inc
State: MI

Complaint narrative:
I initially asked for loan modification in XX/XX/XXXX as my monthly mortgage payments were rising due to escrow balance shortage approx. {$100.00} in 2 years. 
I called them in XX/XX/XXXX and talked to the Loss Mitigation Dept. regarding the conditions of the trial payment period for the loan modification primarily information I received via letter. The letter stated it started trial would begin in XX/XX/XXXX and I asked what about the XXXX payment as I was not late and wanted no issues with being late. I was told to start with the XX/XX/XXXX payment per the letter. 
I made each payment and called each month once the late letters started. I told each CS rep in Loss Mitigation I did not want any issues with payments being late or I would have made XX/XX/XXXX payment.This went on monthly until XX/XX/XXXX. Never when I asked, was I told about I was late and I would have 8 late payments applied to my credit or I would have made XX/XX/XXXX payment. 
This company needs to pull all recorded conversatons for XXXX to review. I also want a copy as they are deliberately not addressing the real issue. Misinformstion to a client by their Loss Mitigation Dept .Why did this Dept not inform me to make the XX/XX/XXXX payment when I first asked over the phone for clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I received a letter back in XXXX stating that I had an escrow shortage of about {$1500.00}. Dovenmuehle stated that my mortgage payment would be increasing to cover the deficit. The year before ( 2019 ) I received a letter stating that I had an overage for the same amount. I did not receive a refund and when I asked Dovenmuehle about that they said that those overage funds wouldn't be given to me because I am in a chapter XXXX payment plan. I let it go at that point. I asked back in XXXX why my escrow has a shortage and why can't the overage funds be applied to the deficit? Why did I have an overage in the first place? I have called Dovenmuehle multiple times and also have sent emails along with a letter from my bankruptcy attorney and nothing. I have been promised a call back from and XXXX, XXXX XXXX ( sp ) whom is a supervisor and I still haven't heard anything and I sent an email to the research department that I received a receipt for but no response. I know by law they are to respond within 30 business days. It has been well over 90 business days at this point. I would like this matter resolved and my mortgage payment adjusted to the right amount. If they could audit my whole account including my payments from my trustee to make sure that they are properly being applied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I paid {$10000.00} to Specialized Loan Servicing on XX/XX/XXXX via electronic funds transfer and they've held those funds in a suspense account and despite numerous calls I have not been able to get those funds returned. The loan paid off on XX/XX/XXXX via wired funds but they have not returned my {$10000.00}. What options do I have?

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 2021-02-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: AR

Complaint narrative:
My mother died XX/XX/XXXX, and the death certificate was issued 2 weeks later. My sister, who is in XXXX, has been handling settling my mother 's estate. My sister and I are the sole living beneficiaries of a trust fund that was available to my mother during her lifetime. 

KeyBank, which handled the trust, helped my mother conduct a search for my brother, who had not been heard from in 20 years, in approximately XX/XX/XXXX. KeyBank recommended someone to help my mother and knew that this search found nothing. 

KeyBank is now claiming that they have no record of this search and/or this search was not done. It is obvious that KeyBank stands to benefit by this denial as they prolong the time that they maintain control of the trust so they can continue to charge fees and churn the account. There are no other complications, claims, or other impediments that prevent the disbursement of the funds from the trust to my sister and myself as stipulated in the original trust document. 

My mother trusted KeyBank so my sister and I have no independent documentation that this 'due diligence ' was previously done. KeyBank 's behavior is unethical and duplicitous. 

We want others to know that KeyBank is not an institution that is to be trusted or that will look after the best interests of their customers. We hope this agency can help my sister and myself in an appropriate and expeditious settlement of what should be an unremarkable transfer of funds. 

Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AL

Complaint narrative:
In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
A representative from the SEC advised that I contact you about this. I have been locked out of my Coinbase account since XX/XX/XXXX, and have unsuccessfully attempted to resolve this issue many times. After spending over three hours on the phone with two agents on separate days, I finally decided that I may be dealing with unscrupulous people and I discontinued my conversation.

Shortly after this experience I wrote separate letters to different addresses, one of which I had on file since I initially invested in Coinbase. The other address I found on line. To this date, I still have not heard from anyone. Over a period of six weeks I was given a different case number each time I attempted to reach out. Here are the five case numbers assigned to me from most recent to earliest : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Unfortunately there was no way for me to identify a previous case number. Consequently, a new case number was assigned each time I attempted to make contact with someone. Their helpline only sent me in circles without success. I am desperate for someone to help me with this very frustrating dilemma. I would be extremely grateful for your urgent assistance with my situation. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I used Remitly to send a wire transfer to a family member 's bank account in XXXX. I paid for the express service that guaranteed that the money would be deposited in a couple hours. The money was expected to be delivered on XX/XX/2021 at XXXX. As of today, XX/XX/2021, the money is not delivered although it was withdrawn from my bank account the same day that the transfer was made. I called the customer service line several times at Remitly and the agents always said that they will solve the problem, but as of today nothing happened. The company has also a chat application on their website. The page says that an agent would be with you in less than 15 minutes, but when connected to the chat, there is a message that says 99+ people are on the waiting list, which is bizarre. After waiting more than an hour to connect to an agent, once I asked my question, he closed the chat on me, which is very frustrating. At this time, I want them to either deposit the money to the recipient 's bank account or return the money to my bank account. I hope I can find a higher institution that can help me find a solution with this dilemma.

Company response to consumer: Closed with explanation