vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX I received a notice from XXXX XXXX XXXX  that my flood insurance coverage was insufficient by {$23000.00}. I immediately filed for an increase on my flood policy from {$190000.00} to {$200000.00}. I was unable to increase it by the requested {$23000.00} as it would have exceeded the percentage of value guidelines. I immediately faxed the declaration page showing the increase to XXXX. A day later I had the flood policy amended to show the change of mortgagee from XXXX to XXXX as the change had not been made whenever they switched over. Last week I received a bill from XXXX for {$110.00}, for forced place insurance in the amount of {$23000.00}. When I called and got through to a manager he told me that my earlier 2 faxes had been received but never transmitted to their insurance department. I believe this Company is engaging in false and deceptive practices by force placing unneeded insurance on their mortgage clients. I am a licensed insurance agent and wrote my own policies so that although I am a senior ( age XXXX ) I was able to respond to this request quickly and accurately and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX and XXXX has removed the XXXX XXXX account now can you also remove the inaccurate information Transunion ?

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 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The XXXX  XXXX  in XXXX Illinois illegally used my credit card to charge for rooms that wasn't mine but my sister who paid for them on XXXX My bank denied the claim because the hotel apparently recreated documents with my name on them... 

They have inserted me in this transaction and I wasn't staying there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing the complaint against XXXX, XXXX, and Transunion because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. 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 2021-09-20 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 am filing the complaint against XXXX, Experian, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. 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 2021-09-20 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: VA

Complaint narrative:
I am filing this complaint because Capital One has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I had one outstanding auto loan with Ally Financial. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit 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 2021-09-20 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: NJ

Complaint narrative:
The inaccurate joint account from XXXX has been removed by Equifax from my husband 's file but is still on mine. Can you please remove. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KS

Complaint narrative:
On XX/XX/XXXX two fraudulent transactions were made using my identity & EBT card information. XXXX.XXXX, XXXX XXXX, CA received {$500.00} & {$340.00} for a total of {$840.00}. 
I sent one certified letter to Direct Express but apparently the door was locked so mail carrier couldn't get signature so that letter is still at the USPS in XXXX, TX waiting for them to pick it up. 
I sent another stamped letter to them as well and then another stamped letter. 
Direct Express rep says they never received any letters when I talked to them on XX/XX/XXXX so my claim was never started until on this phone call with rep. He said it will be 45 to 90 days to finish this investigation. 

THE DIRECT EXPRESS REFERENCE NUMBER FOR MY CLAIM IS XXXX. 

I am on XXXX and live from month to month. 
My rent & utilities are past due. I can't pay copays for prescription drugs or specialist doctor appointments. I have no groceries. 
I gave Direct Express all of the above information. They should have contacted XXXX to stop shipment and deny payment. 
I had also emailed XXXX.XXXX  but only got a confirmation email. They never emailed me again to resolve this criminal act. 
MY TICKET NUMBER FOR XXXX.XXXX  IS XXXX. THEIR EMAIL IS XXXX They have no phone number listed on website. 
Direct Express terms of use states they reserve right to delay processing of suspicious card transactions. Somebody was asleep at their computer when these two fraudulent transactions were processed at XXXXam & XXXXam on XX/XX/XXXX. 
It appears that Direct Express lied about not receiving my 3 mailed letters. 
I also cancelled my card on XX/XX/XXXX and have since received the new card. 
I can not wait 45 to 90 days for them to resolve this matter. 
Direct Express stalled me from XX/XX/XXXX until XX/XX/XXXX and then said my claim wasn't started until XX/XX/XXXX and will now take 45 to 90 days to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This duplicate complaint identified as XXXX ' is per request from " CFPB '' representative XXXX whom I communicated with via voice contact at XXXXEST XXXX. XXXX explained that without requesting me to file two duplicate complaints it would be impossible to send the original to " Equifax '' and " XXXX '' additionally. Please know this filing is solely for the above mentioned matter and specifically addressed to " Equifax ''. 
XXXX XXXX XXXX -- -- -- -- -- -- -- -- - To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX  XXXX XXXX XXXX  '', " XXXX XXXX  '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " XXXX XXXX XXXX '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " Equifax '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XXXX. XXXX, XXXX  @ XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX XXXX to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
This is a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
This is a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Benworth Capital Partners LLC
State: GA

Complaint narrative:
Hello. My discrepancy is with XXXX 's XXXX XXXX program. Earlier this year, I used their services and received several emails requesting new business. I referred an individual, whose loan was approved, within their time frame, with a {$150.00} referral link. I have reached out many times to XXXX 's Support Team, Payout Team, Customer Service by telephone, etc., only to receive automated emails. In my XXXX 's XXXX XXXX, I have met the identity criteria, added my bank information and it is noted as approved. When I click on the dollar amount, it shows my referral approved date as XX/XX/2021, along with " in review. '' Further, XXXX 's terms note that the payout is made 30 days after approved, the XXXX of the following month. The Referral Payout amount has never been deposited to my bank account and seeking a resolution with them has been ineffective and exhausting. Therefore, I am requesting assistance to receive the Referral Payout Reward, as they promised. 
On XX/XX/2021, XXXX sent this email to me : Hello, Congratulations! Your XXXX XXXX application has been approved. Continue to watch your inbox for payment status. 
Thank you again for supporting small businesses! 
Many Thanks, The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: NJ

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CA

Complaint narrative:
I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : 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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I could not open this complaint against Mastercard themselves, so I'm opening against the bank that issued the Mastercard, because obviously they are able to communicate with each other and provide a solution.

Another Mastercard offer failure.

The more I use Mastercard, more I see XXXX XXXX is the best. 

Mastercard offered statement credits during Restaurant Week.

I registered my card and used it to dine a few times according to the terms.

I never received the statement credits, not surprisingly.

Typical Mastercard service, as I had same issue in a previous Restaurant Week and also had to open a complaint.

I would never trust Mastercard for any of their insurance/protection. They are not reliable. Certainly my last option after XXXX XXXX and Visa.

Regulatory agencies are not interested in giving these huge business a fine?

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 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had one outstanding auto loan with XXXX XXXX. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit 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 2021-09-20 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: FL

Complaint narrative:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: LA

Complaint narrative:
I have creditor that are old and have been paid out that should be removed from my report. They are over 11 years old that need to be removed. Experian refuses to have them remove.

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 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
I am filing this complaint because Swiss Colony has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation