vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am unable to request my annual credit reports from Experian and XXXX ( XXXX  works fine. ) Experian wants me to mail a request form which is a hassle but reasonably acceptable. 

XXXX wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )

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 2021-06-17 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:
Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and no one else. On XX/XX/2021 I submitted a dispute to Experian and I attached a copy of my Drivers License and copy of mail with my current address only for them to send me a letter stating I needed to send a copy of my ID and mail for them to proceed with my dispute. At this point I feel like my rights are being violated and that Im being taken advantage of.

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 2021-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance have called over 5 times in a single day. They leave at least 2 messages a day. On XX/XX/XXXX they called 5 times and left 2 messages. Even when payments are set in the system Flagship agents will still call and then apologize because there is a payment in the system. The interest rates are extremely high and they are overcharging. The car that I have financed with them isnt due to be paid off until XXXX and I got the car in XXXX. Payments are $ XXXX  monthly.

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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

XXXX XXXX XXXX Original creditor : CAPITAL ONE BANK USA N.A. 
{$370.00} This is not mine! I never authorized or allowed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
Began refinancing process with InterContinental Capital Group XX/XX/2020. The refinancing was my house as well as a duplex I own. I previously submitted a complaint ( XXXX ) which get their attention and they finally got our refinancing done for my home about two weeks ago. I am still trying to find out the status of the refinancing on my duplex. In spite of my continued emails and phone calls, I cant get anyone to answer me. At this point ( its been 8 months ), I want to know if the loan is ever going to happen or if I should just go with another loan company. People I have talked to during this loan process ; XXXX XXXX ( senior loan officer ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processer ) XXXX X XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
My loan was sold to Flagstar effective XX/XX/2021. My escrow account was {$6000.00}. Flagstar did not pay my HOMEOWNER INSURANCE from my escrow, despite telling me theyd overnight it to my insurance company. My insurance was subsequently canceled. I had to spend an enormous amount of time trying to get this rectified. Then they didnt pay my PROPERTY TAX, which incurred a late fee of {$220.00}. I contacted them XX/XX/2021 about the delinquent property tax bill. They sent me ONE email stating that that was all Id hear from them, which was ridiculous. I spent numerous hours and made numerous phone calls trying to get them to pay my property tax. No one ever reached out to again, I had keep trying to contact them. I finally spoke with a person at the headquarters named XXXX XXXX. He told me the property tax was paid on XX/XX/2021. No one ever notified me. I had asked numerous people numerous times ( including Mr. XXXX ) to inform me of any payment but I never heard back from anyone. This company is awful and the customer service is non existent.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
COI is harassing me and inaccurately reporting information to the credit bureaus resulting in my profile being compromised. I am livid and intend on filing litigation for these unethical and ILLEGAL tactics. The original fraudulent account was already removed from my credit report and COI is going against that for their own financial gain. Attached is a copy of my FTC report. Please remove this account immediately.

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 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
XXXX, XXXX was placed on my XXXX  credit report for {$1200.00}, which the debt did not belong to me. It was originally removed and placed back on my credit. Repetitive phone calls were made to me and I have voiced the Debt does not belong to me. Request to be removed and deleted off my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I am a co-signer with my son on 2 private loans for a diploma he received at XXXX ( between XXXX and XXXX ). The loans for approximately {$20000.00} are through Navient. I am currently paying interest only payments and have gone through several forebearances. He was never able to get a job with his degree as they claimed he would. Can we get these loans forgiven because of XXXX  false information about job placement?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2021-06-17 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:
I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2021 as part of my auto insurance packet I received insurance Scoring and Fair Credit Reporting Act Notice stating that I can contact LexisNexis to obtain free copy of consumer report. 

I filled out request on XXXX within week of receiving insurance packet. On XX/XX/2021 I received notice from LexisNexis via mail stating that " LexisNexis ... was unable to locate a file sufficiently matching your data ''. 
Assigned Case # XXXX On XX/XX/2021 I contacted LexisNexis via email ( XXXX ) providing copy of the - LexisNexis notice - XXXX XXXX XXXX and Fair Credit Reporting Act Notice with information that should help locate my record On XX/XX/2021 I received email communication from LexisNexis with request for copy of my Driver 's License ( Case # XXXX [ Incident : XXXX ] ). 

I have submitted copy of my DL on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX : XXXX ] [ XXXX : XXXX ] ). 

On XX/XX/2021, I asked LexisNexis to update me on the status of my request ( email sent to XXXX ). 

On XX/XX/2021, I asked LexisNexis again to update me on the status of my request ( email sent to XXXX ). 

As of XX/XX/2021, I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: PA

Complaint narrative:
Called Experian to check dispute representative XXXX was upset and hung up on me I called back and requested the report be sent to me and the call was hung up again. 
FED LOAN SERV {$1300.00} AccountnumberXXXX FED LOAN SERV $ XXXXAccount numberXXXX FED LOAN SERV {$3800.00} account numberXXXX FED LOAN SERV {$7500.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$7600.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$1000.00} Account numberXXXX  The state all information was accurate without interviewing my family and associates which is a violation of 15 use 1681 ( A ) ( E ). These accounts are also in violation of 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 use 1681 ( b ) ( A2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: AFNI INC.
State: CA

Complaint narrative:
AFNI is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. AFNI is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CA

Complaint narrative:
XXXX is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. XXXX is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.

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 2021-06-17 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: CA

Complaint narrative:
XXXX is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. XXXX is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
After my last complaint against Credit Acceptance, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due. 
When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC advertises an account bonus of {$600.00} ( $ XXXX  monthly ) after account opening. I opened an account on XX/XX/2021 and expected first bonus in XXXX. I contacted HSBC last week XX/XX/2021 and was told they need to check their back end. I have not heard back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: U.S. BANCORP
State: IA

Complaint narrative:
The Loss Mitigation dept at US Bank incorrectly put my account under a payment plan and is not resolving my dispute in a timely manner. 
In all honesty this should never have happened at all because I was never truly delinquent!! I have been jerked around for almost 2 months, more specifically in the last 5 business days by : XXXX XXXX # XXXX who has refused to take my calls even thought she is my assigned relationship manager. 
XXXX # XXXX who was just jerking me around telling me XXXX and XXXX werent there when in fact they were, gave conflicting information, was rude and unprofessional. 
XXXX # XXXX who said he was working on a resolution however has not called me back when promised as of 2 days later. 
XXXX ( no ID number known ) who kept me on hold for over an hour full well knowing he was not going to be transferring me to someone to assist. I have a witness, XXXX XXXX, Client Relationship Consultant at the branch I was in trying to get this resolved. 
I have been more than patient and I am no longer waiting, nor should I have to. This is US Banks error, not mine, and I should not be forced to wait any longer. In fact there should be nothing to research bc it never should have gone this far! I have never been late, never gave authorization or consent to a payment plan and are pretty sure this is a banking violation.

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 2021-06-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for and received an Apple Card that is managed by Goldman 's with software written and updated by Apple Corp.

I've been making regular payments and upgraded my phone. I went to make a payment this weekend and found that all tools have been disabled and my account locked for security purposes. I have verified my identity within the XXXX wallet and reached out to their customer service through messenger to ask what happened. 

I'm told that they can lock my card at anytime without warning and there is no timeframe for them to contact me. I don't know why they would need to contact me or what they are reviewing. I can only assume I tripped an algorithm and am now in a system with no human at the helm. I am female and this is reminiscent of the issues a year ago where it was found that Goldman 's algorithm treats women differently than men. 

I can still use make charges to the card but have been locked out of all digital tools. Nobody can tell me what I can and can not do. It's a walled experience and frustrating at that. I never received a notification in XXXX, a warning, an email. I only discovered it's status when I went to pay it off. 

I'm applying for my first mortgage soon and did not expect this experience from Apple.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

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