vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: OH

Complaint narrative:
On XX/XX/XXXX I wrote Experian, XXXX & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to Experian, XXXX & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). Experian, XXXX & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCHRONY BANK has closed multiple accounts that were in good standing and an asset to the consumer and XXXX. Closing consumer credit accounts and Indirectly reporting on my private consumer report without my written instructions, in Violation of Consumer Federal law 15 U.S. Code 1681b - Permissible purposes of consumer 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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TX

Complaint narrative:
Experian is not responding to my demand to remove someone else information from my credit report. It has been more than 30 days and I sent 2 letters to Experian about removing addresses that are not mine, are inaccurate, never belonged to me. I also asked Experian to delete a name that is not mine and sent them my social security card and utility bill with my correct name XXXX XXXX XXXX. I mailed a letter on XX/XX/2021 which Experian did not remove the information at the time and I mailed a 2nd letter on XX/XX/2021 about this information being removed. I checked my credit report today on Experian website and it still shows the name of XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA 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 non-monetary relief
Consumer complaint received 2021-10-11 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: OH

Complaint narrative:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
For years I have had an account with Coinbase. I replaced my telephone but have the same number that I have had for several years. When I tried to access my account it started off by saying that it does not recognize me. Now when I try to access my account it says that I do not have a valid email address. My email address has not changed for many many years. I have tried calling the help desk many many times can't even get anyone at Coinbase to answer. Please help! The last time I was able to access my account it contained over $ XXXX. I have a newborn and just moved into a new home. I had to borrow money from family members because I can't access my on funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.

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 2021-10-11 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: OH

Complaint narrative:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a lot of transactions that I never authorized and Bank of America refuses to refund my money back to my account

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 monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
To whom It may concern : I currently have a mortgage with Flagstar. I called customer service on XX/XX/2021 and I spoke with XXXX and she said that this conversation will be recorded for training purposes. I said that's fine and I told her that I wanted to get rid off my PMI payment because my house has gain a lot of equity. She advise me that because I have been in the house more than 2 years that it should not be a problem to remove the PMI. I asked her that If I needed to get my own appraisal or does the company supply one? She said that I can get my own as long as the person doing the appraisal is licensed. So I said are you sure and she replied... yes! So I said OK!

So I went ahead and got myself an appraiser that was licensed and paid {$450.00} for the appraisal. I called back and spoke to XXXX ( customer service ) to find out were to send the appraisal report and she ask me if I had filled out a PMI waver? I replied no because no one told me to fill out the waver before the appraisal. Anyways I went ahead and filled out the waver to drop my PMI. I called on XX/XX/2021 to find out the status on my PMI waver and they said that I needed to be with Flagstar at least 2 years without late payment. I told the customer service that I was not told that in my first conversation. They said that as long as I was living in the same house that, that should be ok. I told customer service that If the first person I spoke to should have told me that I did not qualify for the PMI waver because you do not have 2 years with us. I would have not proceeded with the appraisal. But again I got the wrong information from Flagstar. I spoke with XXXX the supervisor and she assured me that they would check the recordings for that day to hear the conversation between me and customer service. XXXX said to check with her in about 2 weeks to make sure that what I said was true. I have made several attempts to rectify this problem but they told me that they will not refund my money even though it was not my fault and I did exactly what Flagstar told me to do. I feel that they are using unfair practice and they are not following their code of conduct and business ethics. I am out {$450.00} because improper training by Flagstar and they will not take responsibility for their mistake. Thank you for your 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 explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I have sent some money to my mom on Friday XX/XX/2021. The company REMITLY, INDICATE TO MY THAT THE MONEY WILL BE READY AND THAT IT WAS READY SAME DAY FRIDAY XX/XX/2021. When my mom went to the place where she where supposed to receive the money. They indicate to her that the transaction was not ready and that she will have to come back. Today XX/XX/2021. My mom is trying to collect the money and now the place where she is trying to collect the money indicate that the money is being paid already. My mom never receive any money yet. I have contacted REMITLY who is the company that I used to send the money. They say that it will take up to 2 days or more to solve the issue, my mom is old and she need my support. I am the only one supporting her. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
On XX/XX/2021, i was issued a credit from the XXXX XXXX back to my Credit Card. The amount was {$860.00} for a refund. I asked the credit card company to use those funds to pay off an installment on a device, i was told they could not do that ; I then asked for them to issue a check in my name for the total amount the was credited and in a positive on XX/XX/2021 and two other occasions as well. The Credit Card in question is the Apple Card a MasterCard managed and owned by Goldman & Sachs in conjunction with XXXX Rights. 

I have also contacted the XXXX XXXX for assistance on multiple times with Goldman & Sachs to no avail. 

I simply would like to use the funds i have currently of {$760.00} to either pay off one of the installments or that i be issued a check as the credit card company should return any excess payments to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CT

Complaint narrative:
I am writing you because the investigation process regarding some accounts that were fraudulently opened are still being reported as accurate and verified which is not true. I have over the years sent in a police report, drivers license, ss card to prove the these accounts were fraud but yet they are still on my credit report. 

XXXX XXXX XXXX account is fraud account- XXXX amt reported XXXX opened XX/XX/XXXX dob is wrong but my name and ss was used XXXX XXXX  XXXX opened XX/XX/XXXX amt XXXX. The name on the card is XXXX XXXX name is XXXX XXXX and also dob is different. 


XXXX XXXX opened XX/XX/XXXX amt XXXX. The address was the card was sent to was XXXX XXXX XXXX in XXXX XXXX. I reside at XXXX XXXX XXXX. A different conflicting personal information was used to open account. 

XXXX account was opened XX/XX/XXXX amt {$6900.00}. This account was opened at a different address using different date of birth. My name and social was used They have not removed the alias names used during fraud XXXX XXXX and XXXX XXXX. Always fraud addresses XXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY

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 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: NC

Complaint narrative:
I was recently made aware of two accounts ( account numbers : XXXX and XXXX ) allegedly owed a debt that are being reported by Financial Data Systems LLC. I sent Financial Data Systems LLC a certified letter requesting that they verify both debts on XX/XX/2021. The letter was delivered to Financial Data Systems LLC on XX/XX/2021 by USPS certified mail. I have not received any response whatsoever from Financial Data Systems LLC in over 30 days. They have FAILED TO VALIDATE THE DEBTS at my request which is a FDCPA violation and to my knowledge they are continuing to report the disputed debts to the credit bureaus which is a FCRA violation. Ignoring my requests for debt validation and continuing to report the debts to the credit bureaus has caused damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I called to set my account Rushmore on XXXX, since XXXX when I called Rushmore and talk costumers service representative mess up and took out from my bank account {$120000.00}. On XXXX i agree to pay {$1200.00} to my monthly payment. Every month I would call Rushmore and let them know on the phone and do my payment give me verification code Since then my account tell me my payment when throw even thought it would not show out my end and I would call and confirm with them later on they started locked because of the error from the call center to do payment on online. Ive been calling the call center from Rushmore to try sort out the issue. I was getting harassed by that customer service representative because I kept correcting them saying Im not a mess or Mr. just please call me by my name, on XXXX I spoke with Rushmore rep they confirm my account number and routing number with my bank on the three-way call, the rep got mad and stared yelling at me and my banks because the account wasnt right plus Rushmore rep keep saying that I was paying with credit and not check when my bank confirmed that it was checking account. When I spoke with the rep from Rushmore got mad and hung up that Same day I called back and spoke with the Supervisor named XXXX on XXXX letting them know they know that I didnt see the payment out of my bank account but when I could call they would say it payed and gave me confirmation. Supervisor from Rushmore told me to fax my bank transactions to fax them over. I fax over the information XX/XX/21. I called Rushmore on XX/XX/21 spoke with XXXX told me to call XX/XX/21 so it can be post to my account. The issue never got fix since then when I call I get put on hold and transfer to someone else.Ive been trying to die my payment with checks next call center from Rushmore told me theyre no longer taking online payments that I will have to do checks. I sent them a check and they sent it back to me got rejected twice. Later on I got a letter in the mail saying that they are only requesting cashier checks.Since Ive been with Rushmore Ive only had problems doing payments nothings been sort it out and like Credit got damaged.I called and spoke with customer service Rushmore spoke with the representative saying that they need to speak with me didnt even have Nots nor didnt even know why they wanted to speak with me they told me to call back. I did and they still didnt have Nots nor good communication to tell me what whats updates going on. Rushmore has been giving me the run around and just putting me on hold whenever I call.Ive been trying to pay everything months but they are making difficult.

Company response to consumer: Closed with explanation