vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: UT

Complaint narrative:
I have been locked out of my Equifax account for 1 month. I have called and verified my identify 3 times, but my account remains locked. I was told twice that this issue was being escalated an that someone would contact me in 3-5 days, which never happened. 
In addition, Equifax continues to bill my credit card for credit monitoring service after I cancelled this service due to poor performance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
I have been attempting to communicate with Experian about this issue for six months. They have failed to comply with the law after multiple attempts. There is an account they are stating is mine and has been " verified '' and continues to fail to show me the verifiable proof that is required by law.

FCRA Section 611 Procedure in the case of disputed accuracy ( 15 USC 1681i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any investigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer agency shall : ( I ) Promptly delete that item of information from the file of the consumer.

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 2021-04-28 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:
wrong info : FCRA violations ; XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Since Previous employment XXXX XXXX XXXX  Dispute this Since Previous employment XXXX XXXX XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: VW Credit
State: TX

Complaint narrative:
Audi XXXX XXXX have not paid the equity coming from the trade in, after one month of the lease of a new car. In addition to the previous, they have not delivered the license plates paid, and was forced to buy the window film and nitrogen for the tires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX sent me an email stating XXXX XXXX XXXX SENT A STATEMENT my credit card statement decreased by {$34.00}. In XXXX I paid off my {$34.00} credit card. I have NEVER MISSED A PAYMENT. The last payment was XX/XX/2020 for {$19.00}. I was penalized 5 POINTS for paying off my credit card on time. My credit score decreased 5 points from XXXX to XXXX. I have a CREDIT of {$110.00} on my credit card. Question why did XXXX XXXX XXXX  XXXX Transunion & XXXX  penalize me for paying off my credit card in a legal timely manner? I feel I was discriminated against? 5 points deducted from my credit score for paying off my {$34.00} credit card on time? Please investigate thank you

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 2021-04-28 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: PA

Complaint narrative:
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2021-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank insists that my loan is several payments behind. It is not. I have submitted copies of payment receipts. They do not respond to correspondence from me or my attorney. Their personnel at the local office claim they can not access the loan information. Huntington keeps adding unjustified " late fees '' and " property inspection fees '' each month to the loan. Now they are refusing my monthly payments, saying that the payment is insufficient to bring the loan current. That is false. Please see attached correspondence. Note that we have not received ANY reply to these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
I have been disputing with Transunion since XX/XX/2020 and they have yet to respond to any of my dispute request at all ... Yes, we all had to deal with the pandemic last year but this is just sad that they are failing to respond to any dispute request that they receive in the mail and this is totally unacceptable ... As you can clearly see the date on this letter and several more has been sent since then and they can no longer keep blaming the pandemic. I am officially filing a complaint against them and so should other consumers ... You all need to start holding these Credit Bureaus accountable for NOT DOING THEIR JOBS!!!!! 

I disputed several items and I am uploading the letter now and I want these negative items deleted immediately as they have had more than enough time ... 6 months later and still absolutely NOTHING.

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I paid a debt to Innovative Recovery in full on XX/XX/21. I disputed this with XXXX  on XX/XX/21. The dispute was completed on XX/XX/21 and they are still reporting it as unpaid. I included the reference number, payment date and payment amount in my dispute. Clearly, they did not research this, they just said they " verified '' it. I've since mailed XXXX a copy of my bank statement and the confirmation email, but still no change. The debt also reflects to be unpaid with XXXX. I sent Innovative Recovery a request to update it by mail, but still nothing. I want this taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
My Fico Score was from XXXX to XXXX penalized by 47 points? Transunion will not EXPLAIN to me why I'm being penalized for being a financially responsible consumer?? 
Please investigate For several months my Fico Score stayed the same at XXXX each month never changing? for several months XXXX & added a 1 POINT to increase XXXX. After my credit score reaches XXXX, my score was decreased by 47 points? 

Please review my uploads & see the 1 POINT increase in my fico score from XXXX to XXXX? There is something FISHY going on with my Fico score & credit score??

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 2021-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I originally purchased and financed my 2021 XXXX XXXX with Hyundai Finance in. XX/XX/2021. I refinanced it with XXXX XXXX XXXX XXXX, was approved on XX/XX/2021, and sent a certified letter with check # XXXX in the amount of {$28000.00} to Hyundai with the full payoff balance at that time to Hyundai. Per XXXX XXXX 's confirmation, Hyundai cashed the check on XX/XX/2021, yet Hyundai has not applied it to my account and are still billing me to which I am paying so I do not get a credit hit on my account. I have called Hyundai Finance 5 times since the check was cashed and they have confirmed they have my check, that it is sitting in suspense, but have not posted it to my account. Note : During my initial contact, they could not locate the check so I was told to write to Hyundai California to file a lost check affidavit, which I did. After this letter, I was promised multiple times that the check was found, and that it would be posted to my account within 7-10 business days. As of last weeks call, a manager representative told me it would be posted no later than yesterday, XX/XX/2021. I spoke to another manager representative in their finance department today and they have told me that there is nothing they can do and they can not speak with their accounting team directly only via email and if they do not respond via email there is nothing they can do. I am on a call on hold waiting for another manager now because no one has been able to assist me and I am being told that there is no one anyone can speak to in accounting to get my funds posted. Each time I call, I have to go through the same conversation where they can't locate my check and then when I give them the check number they locate it. 

This is unacceptable as they are still billing me so I am paying two car payments at this time for the same car. They also have not advised when they will refund me my funds for monies I have been erroneously charged while they were 'locating and posting ' my check.

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 2021-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
In XX/XX/2021 I was contacted about a late fee by Security Finance. I promptly paid the fee and the agreed amount for that month. Yet Security Finance issued a collection for {$10.00}, and it consequently drove my credit score down 130pts and negated a business deal I had in the making. Their website reflects I have an exceptional payment history. They have violated the FCRA by reporting false information.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
All accounts must be verifiable that are on your credit report. I have reached out to LexisNexis on multiple occasions to get information on a Bankruptcy that XXXX, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from LexisNexis stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from LexisNexis and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to LexisNexis where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If LexisNexis Certified this information is correct then where is the copy to be sent to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing is the servicer on mortgage. We were with XXXX to XXXX  XXXX XXXX ( in middle of a modification ) and flipped to SPS. Note is purportedly with XXXX XXXX XXXX  XXXX. 
We have requested A modification from SPS thru HUD approved agencies 6 times and directly to SPS a total of 7 times. 
SPS always misplaces or loses documents and has refused to modify loan. They offered a trial payment a few hundred dollars less than current mortgage payment. 
On XX/XX/XXXX, SPS sent a letter to our homeowners insurance company - XXXX - saying SPS initiated a foreclosure on property in XXXX! 
This of course cancels our home insurance and will necessitate FORCE PLACED insurance thru SPS. 
SPS is not licensed to conduct business in PA and as I understand a servicer CAN NOT initiate a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My wife and I have three rental properties, mortgaged through Northstar dba Mr. Cooper here in Texas. We have the mortgages set up for autopay on the XXXX of each month. On XX/XX/XXXX, our account was correctly debited for {$510.00}, {$720.00}, and {$810.00}. We woke up Saturday, XX/XX/2021 to find our checking account had been overdrawn. Mr. Cooper debited our account SEVEN ( 7 ) times for each of the mortgages, already paid for on XX/XX/XXXX. The total amount taken from us was {$14000.00}. 
A call Saturday morning with XXXX ( our bank ) indicated that this problem had occurred with all of their customers that had mortgages with Mr. Cooper. 
We are now financially whole, we've gotten the charges reversed, but I consider this unauthorized withdrawal of my funds no less than theft. 
I spoke with a cfpb representative, XXXX, at around XXXX XXXX  on XX/XX/2021, who told me that the cfpb does not intervene in any way on these issues, which I found disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX Order Summary Subtotal : {$140.00} Kohl 's Cash - {$5.00} Free Standard Shipping {$75.00} - {$8.00} Shipping : FREE Sale Tax : {$9.00} Total : {$150.00} You saved {$13.00} on your purchase today. 


Your Earnings Kohl 's Cash to use XX/XX/XXXX - XXXX, 2021 Your Kohl 's Cash will be sent in a separate email. 
{$20.00} Kohl 's Rewards updated balance {$7.00} previous balance + {$0.00} earned on this purchase {$7.00} I purchased a XXXX XXXX head set and the same day I canceled the order because it had my old address They sent me a confirmation We were successfully able to request a return of your package with tracking number ( .. ) to our fulfillment center. Once the items are received and processed, you will receive a refund to your method of payment. that the order was canceled and sent me a confirmation email Since then I have called numerous times to get the my refund back on to my credit card which would make my balance 0 again I have been charged double for something I never received 1 phone call I was told the error was fixed but it was not the last phone call I finally got a dispute number and I have since then been threatened that my credit card has been suspended it is now XXXX XX/XX/2021 and I still do not have my account resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: MI

Complaint narrative:
I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the hospital many times now I just cant take it anymore!

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