vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its 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 2021-03-18 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: VA

Complaint narrative:
I have sent the Department of Education a letter of equity of interest stating that I am willing to oblige paying the amount the Department of education claims that I owe. The original lender of the loan was XXXX XXXX  and after trying to contact them I was immediately rerouted to the Department of Education. The first letter I sent was forwarded to a different address in which I received no correspondence whatsoever. After doing some research I found two addresses to the Department of Education. One in XXXX PA and the other in XXXX KY. It has been more than 30 days and I have not received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent the Department of Education a letter of equity of interest stating that I am willing to oblige paying the amount the Department of education claims that I owe. The original lender of the loan was XXXX XXXX  and after trying to contact them I was immediately rerouted to the Department of Education. The first letter I sent was forwarded to a different address in which I received no correspondence whatsoever. After doing some research I found two addresses to the Department of Education. One in XXXX PA and the other in XXXX KY. It has been more than 30 days and I have not received any correspondence.

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 2021-03-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased an XXXX television from Bestbuy.com for {$1800.00} ( {$2000.00} with tax included ). This initial purchase was on my Best Buy XXXX credit card ending in XXXX. The television was delivered on XX/XX/XXXX. Two weeks after using the television it began malfunctioning. I called Best Buy customer support and explained the situation. They agreed to replace the defective television with a new one, the same model as the original. The television was out of stock at the time so they told me to call back in a week when they expected to have the television back in stock. I called Best Buy customer support on XX/XX/XXXX and the representative informed me the television was now in stock and they could process the return/exchange order. I purchased the replacement television on my Citi XXXX credit card ending in XXXX for the same price as the original order. The pickup/delivery took place on XX/XX/XXXX. When the delivery people showed up, they took the defective television with them but they did not deliver the replacement television. They processed my return on the Best Buy XXXX credit card for the original purchase later that day. I called Best Buy customer support about the replacement television and they informed me they did not see any order for a replacement television in their system and I was not due a television. My Citi XXXX was charged {$2000.00} and I never received the replacement television. I asked them to refund my Citi XXXX if I was not going to receive my replacement television and they refused to do so because they did not see the order in their system. On XX/XX/XXXX I opened up a dispute with Citi about the {$2000.00} charge that appears on my XX/XX/XXXX XXXX statement. I provided order details, receipts, and credit card statements to Citi to aid in their investigation. I can provide these same documents to you to help in your investigation. After a few months of investigating, on XX/XX/XXXX, Citi informed me Best Buys bank is refusing to refund my money and there is nothing else they can do. When I initially opened up the dispute on XX/XX/XXXX I was issued a conditional credit on my XXXX which has since been reversed after their investigation has been closed. Since then, I have been trying to get this sorted out through Best Buy customer support but they have not been cooperating.

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 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I'm currently in default with my mortgage but I have being in communication with them and I'm selling my home. I have provided all the documentation they required to show and prove that the property was in the market to get it sold. Everything had been working fine until the time that I requested a payoff demand. 

We are now ready to close the transaction, the only item that is missing is the payoff demand from them. 

I have call them several times already to request the payoff demand and every time that I speak with a representative, they promise to send it within a couple of hours, but I haven't receive it as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC at XXXX. XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. I have asked Portfolio Recovery Associates for proof of the debt in the way of the original documentation showing my signature or that I agreed to this credit card debt. I have yet to receive a response verifying the information asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: PA

Complaint narrative:
These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX - Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX  - Date : XXXX 4. XXXX  XXXX/XXXX - Date : XXXX 5. XXXX - Date : XXXX 6. XXXX/XXXX/XXXX - Date : XXXX 7. XXXX  XXXX XXXX - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX  - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX XXXX XXXX - Date : XXXX 12. XXXX XXXX  - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to Experian, XXXX XXXX. And XXXX last month. Im being targeted.

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 2021-03-18 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: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results. 
I was involved in Equifax Data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MORTGAGE COMPANY
State: OK

Complaint narrative:
The mortgage is with 1st mortgage company in XXXX. XXXX XXXX is being sued now for fraud. He is or was the owner. Hes stolen our escrow and now hes used our money for county taxes else where. Im also finding out hes marked our account unpaid yet hes provided us with countless letter signed by him saying we are current. These items are on my credit report saying Im late on payments. After reading all the lawsuit articles I dont know what to do. Im scared for my home and what this may cost me. I made my payments and did my part but now that hes committed fraud to so many people Im scared something will happen to our home.

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 2021-03-18 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX and XX/XX/2018 payments were never late and the company confirmed via email. This is on my home depot card.

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 2021-03-18 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I need cfpb to pay attention and stop banks credit cards from rip off consumers The issues is from last XXXX of 2020 I purchased clothing and did not received so I called the merchant they didnt werent to do anything about it So I called navy federaXXXX and filed a dispute After waisting tune of hours being on hold and explain They only gave me partial credit why??? 

Now they are accusing me of fraud They want me to go to postal office and find the package Then they want me to show proof of the item I didnt receive They taking the merchant over me Merchant said its been delivered It didnt delivered to me Federal navy is 1-wrongly accuse me of fraud 2- discrimination 3- try to scare and intimidate me What permits them to ask me such stupid request To go to postal office and find the package Are they XXXX out of their mind they are so cowered and XXXX Postal office do not keep their tracking after its been delivered Navy federal acted and left a discriminatory note on my account not to resolve my issues Thats why they are sending me off goose chase Taking the merchant over me Want me to go to post office and look for the package

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
The account was paid several months ago. This still shows delinquent on credit and not paid. Ive contacted company several times and reached out to main office. I want this corrected and removed from my account. The accounts are showing recent and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: PA

Complaint narrative:
These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX XXXX  Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX - Date : XXXX 4. XXXX XXXX  - Date : XXXX 5. XXXX XXXX Date : XXXX 6. XXXX - Date : XXXX 7. XXXX  XXXX XXXX  - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX  XXXX XXXX - Date : XXXX1XXXX  12. XXXX XXXX - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to XXXXXXXX, Trans Union. And XXXX last month. Im being targeted.

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 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/XXXX, I received a letter that the Santander bank was sold and my account was transferred to Firstbank. I did not know the status of my account. Then I found out that my account was still owned by Santander bank. There was a misunderstanding by myself and I lost access to my internet account in approximately XX/XX/XXXX. My card expired in XX/XX/XXXX and I did not received a new card. This led to assume that my account was going to be managed by Firstbank. In XX/XX/XXXX, I saw in my credit report that there was a balance of {$19.00} in the account and I made a payment through my checking account through my bank 's internet service ( XXXX XXXX ). During those three months, I did not received a notification of a late payment nor a statement of the bank that I had a due amount. Today XX/XX/XXXX, I received a notification of late payment reported to the credit score ( XXXX XXXX ). I made a call to the bank regain access to my account. I found out that I had a past due with Santander bank. Furthermore, I received a letter of first notice of delay of credit card, 4 months after the first due. This was the first and only communication that Santander bank has sent me since the acquisition by Firstbank. This means that Santander bank never sent me a credit card bill for the amount due before this 4 month past due notification. If Santander bank had sent me the monthly credit card bill, I would've paid it as I have been paying all my other credit card bills. The amount due was {$18.00} and they never sent me a bill for that amount. I don't know how I am suppose to know that I owe money to the bank if they don't send me a bill to pay.

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 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I currently have a Navy Federal Credit Union VA Home loan. I applied for refinance to reduce interest rate and cash-out for home improvements. The first loan estimate they sent included {$5400.00} PMI. I emailed to have them reduce my loan to 80 % LTV. Then sent me new documents but instead of PMI they moved this to VA Funding Fee to which I am exempt. I would think this would be known since my loan is with them already and I sent them my VA XXXX letter. It just seems shady to me and I would not want other servicemembers or veterans to encounter the same problems. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent three letters to each of the credit bureaus XXXX XXXX  and experian since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports

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 2021-03-18 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
My husband and I refinanced our home to remove PMI & decrease rate, leaving Axos Bank This was done through XXXX XXXX XXXX. XXXX XXXX XXXX was having many issues with responses from Axos Bank causing delays in closing ( Axos Bank was delaying sending demand statements and limited date range ). In XX/XX/2021 we signed closing documents however, because of the delays in closing we made our XX/XX/2021 payment {$3400.00} on XX/XX/2021 which was included in the Axos Demand Statement. On XX/XX/2021 Bank XXXX XXXX XXXXXXXX XXXX who wired {$400000.00}. Axos Bank is stating that payment for {$390000.00} was wired. I also overpaid my {$3400.00} payment that Axos Bank is trying not to refund. I have attempted to resolve this for weeks calling the Broker ( XXXX ), the funder ( XXXX XXXXXXXX XXXX XXXX ) and Axos Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent three letters to each of the credit bureaus Transunion, XXXX and XXXX  since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports

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 2021-03-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent three letters to each of the credit bureaus XXXX, equifax and XXXX since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: OH

Complaint narrative:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.

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