vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: NY

Complaint narrative:
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 equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I recently refinanced my home, and the subsequent loan was purchased by Lakeview Loan Servicing , LLC. They use " XXXX '' as a intermediary to electronically service their loans. The company - Lakeview / XXXX, are incredibly unresponsive, and the effort makes it difficult to set up electronic payments or receive any sort of customer service. It should be noted the company allows phone mortgage payments, for a fee of course ( how convenient ). 

Several phone calls for assistance in setting up my online account resulted in not being able to reach a live person ( I just went through menus and was hung up on - not able to reach a live person or leave a message ). Several emails to customer service have resulted in no follow up, after a period of 5 to 7 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: NY

Complaint narrative:
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 equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have tried to get insurance through XXXX and have been turned down by LEXIS NEXIS due to the following : Were sorry, but XXXX declined your application because your Motor Vehicle Report ( MVR ) and/or your Claims Loss Underwriting Exchange ( C.L.U.E . ) report show 3 or more insurance claims in the past 36 months. Therefore, you are not eligible for coverage with the XXXX XXXX. The report ( s ) were provided by : I have only had one and it the accident was not my fault. It was paid out by the other drivers insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: IL

Complaint narrative:
My disputes may have been overlooked in these past months. I have been trying to remove unknown and unverified accounts from my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ordered a computer online at the end of XX/XX/2020 with a new BEST BUY CITIBANK CREDIT CARD that I applied for online. When I discovered there would be a delay in delivery for 2 months, I canceled my order. I have email confirmation my order was CANCELED. I was also sent emails my payment was denied. According to documentation I obtained from XXXX with the original tracking number XXXX the computer was delivered to Best Buy, XXXX XXXX, XXXX, TX. The computer was never delivered to my house because I canceled it. XXXX confirms the computer was never delivered to my house. I am being charged almost XXXX dollars for a computer I never received. 
When I went to the store the first time, they said they would investigate. I did not receive any feedback. Then yesterday when my husband and I went there they said the computer was delivered to my residence. The computer was never delivered to my house and I do not have the computer. Best Buy Citibank is charging me for a computer that I have never seen. They have been harassing me by phone and sending me bills ONLINE for almost a year and they are escalating the charge now to another agency. Citibank told me that I alone had to deal with Best Buy, XXXX XXXX in XXXX, TX. I have done everything they asked which was to contact the CARRIER, XXXX. 
This has caused me extreme stress and time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 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: NC

Complaint narrative:
My disputes may have been overlooked in these past months. I have been trying to remove unknown and unverified accounts from my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: VA

Complaint narrative:
I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I NOW Have CAPITALONE HARD PULLS XXXX XX/XX/XXXX, XXXX CAPITALONE BANK USA XX/XX/XXXX AND XXXX. 

XXXX, CAPITALONEAUTO FIN XXXX CAPITALONE XXXX AND XX/XX/XXXX AND CAPITALONE AUTO FINANCE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hello I would like to submit a complaint against XXXX for the mismanagement of my funds I have sent them several emails that my cryptocurrency is frozen with the issue " verification is still processing, check back in a couple of minuets '' this has been like this for 4 weeks since the XXXX of XXXX I have received one email from them about the complaint and they have replied that the closed the ticket and it has been sorted when in fact it has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Over the last two to four weeks, every mailed out credit card application responded to me with false or fraudulent credit score information. For example, a few stated that the information was unverified, another stated too much inquiries, another an entirely different reporting index, another a manually enttered score. My credit score across the board was XXXX at XXXX  XXXX XXXX at XXXX, XXXX XXXX at XXXX. I received a bunch of denial letters stating my " card acquisition risk score '' was XXXX or XXXX. I am being discriminated against and a large fraction of bankers are being investigated as to their role XXXX s ) in a large ponzii schematic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
I HAVE DUPLICATE HARD PULLS ON XXXX  1 AUTHORIZED THE OTHER ONE NOT DELETE XXXX XXXX XX/XX/XXXX, DUPLICATE XXXX XX/XX/XXXX DELETE XX/XX/XXXX AND GINNY ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, Franklin Collection Services based out of XXXX, XXXX added a collections account for {$1200.00} to my credit reports causing my score to decrease. This collections account was RIGHTLY removed previously from my credit reports by another collections agency whom could not verify/validate this debt is in fact my debt. This account is believed to belong to another family member whom is deceased and is in fact NOT MY DEBT which previously resulted in a removal/deletion. The collections agency has in turn sold this account to Franklin collection services without written notification of the debt and without verification that this debt is mine. I HAVE NOT RECEIVED ANY WRITTEN NOTICES OR PHYSICALLY SPOKEN WITH ANYONE FROM FRANKLIN COLLECTION SERVICES. 
Under the Fair Credit Act, if the debt is not verified or validated to be yours, it CAN NOT be erroneously put on your credit report and such section is AGAINST THE LAW for credit agencies to report debt that isnt validated or inaccurate. 
Under the Fair Credit Act, a debt collector has to send you a written statement outlining the specifics of your debt that is in collection. Within five days of contacting you, a debt collector must send you a written notice of the amount of money your owe, and the name of the original creditor. The notice must also explain the consumers rights of what actions to take if you believe the debt is not yours. 
NONE OF THESE ACTIONS HAVE TAKEN PLACE WHATSOEVER. 
I ask for IMMEDIATE permanent removal of this account that was PREVIOUSLY REMOVED and had been placed back on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have had this XXXX  XXXX card and its not being reported on my credit. i have attached the bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Can you please add my credit card to my report bill attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There was no option to complain or dispute this situation with Transunion. I called and scoured the website, no relief. I take great care of my credit score, I score in the 800 's. I have virtually no credit card debt but whatever I do use on the cards I immediately pay off. I sometimes use my XXXX card for business purchase and pay it right off. Transunion for some reason hits my credit score for -40 or more points. No other agency does this to me. I never complained, it takes a month for the new reporting to come back to normal. This time, on XX/XX/2021 transunion destroyed my credit score knocking it down 69 points. It was a {$3400.00} purchase and they destroyed my credit. There is no reason for that. this is {$3400.00} of {$12000.00} limit ... mind you, I already paid the card to {$0.00}. It's less than 10 % total utilization. I have 100 % payment history everywhere. No other agency does this. Transunion is performing unfair reporting and I deserve to know why. They are also doing this at a time when I'm in the market to buy a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received Chase credit card never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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 WENT THROUGH MY CREDIT PROFILE AND I NOTICED AN ACCOUNT THAT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY. I HAVE NO IDEA HOW THEY WERE ABLE TO OPEN UP THESE FRAUDULENT ACCOUNTS IN MY NAME. MY IDENTITY HAS BEEN COMPROMISED, AND THIS IS A VIOLATION OF MY RIGHTS. ITS BEING REPORTED ON MY CREDIT AS IF IT BELNGS TO ME. I DONT KNOW HOW THIS COMPANY DOES THEIR LOANS, BUT THEY ARE IN VIOLATION BY LETTING SOMEONE USE MY INFO.THERE ARE ALSO A LOT OF UNAUTHORIZED INQUIRIES.DELETE THIS FRAUDULENT ACCNT IMMEDIATELY There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
My escrow analysis was completed on XX/XX/XXXX. The Annual Escrow Account Disclosure Statement shows that I am due a refund of {$770.00} and states that the surplus will automatically be mailed within twenty business days. However, I have not received it. I contacted the company ( XXXXXXXX/Lakeview Loan Servicing ) at the beginning of XXXX to check on the status and they claim that the check was mailed but the post office returned it to them. They said they would re-issue the check. I called again on XX/XX/XXXX and once again was told the check would be re-issued and mailed to me. I still did not receive it so I called XX/XX/XXXX and was told by the representative that she spoke to a supervisor and they were going to mail me a check and she gave me a confirmation number of # XXXX and told me to call back in a couple of days to get the tracking number for the mailing. I called back on XX/XX/XXXX and spoke to XXXX and she said she could not find the confirmation number that I was given the last time I called and that it didn't look like a check had been mailed. I asked her to speak to a supervisor about it and she said she did not have the ability to speak to a supervisor but she emailed a supervisor and she assured me that she would call me back the next day. I never did hear back from her. 
I want my escrow refund sent to me as soon as possible and I want a tracking number so I can track the mailing. By law the mortgage company is required to refund my escrow surplus. 
I have had nothing but trouble with this company since they took over my loan. In XXXX they mis-applied a payment and it took me XXXX months to get it corrected. They refused to correct the payment until I filed a complaint with the CFPB. Is there anything that can be done about this mortgage company? 
I want my escrow refund issued, as required by law, and mailed to the property address, which is XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: MD

Complaint narrative:
I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation