vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Fay Servicing , LLC was my mortgage servicer. I sold my property last year and my escrow account was settled and closed on XX/XX/XXXX. On XX/XX/XXXX, I'd received a notice from my insurance company that my insurance refund of {$590.00} was issued on XX/XX/XXXX to Fay Servicing. I was told to contact Fay Servicing for my insurance refund. Due to NY state law, XXXX can not directly issued me my refund. They are required to issue it to Fay Servicing , LLC. On XX/XX/XXXX, I called Fay Servicing and requested my insurance refund. Fay Servicing denied receiving the refund check from XXXX and requested that I provide proof, a copy of the refund check issued by XXXX, before they can expedite my insurance refund. I obtained a copy of the refund check and e-mailed the copy to Fay Servicing as requested. After submitting proof, as requested, I was still denied my insurance refund. I called XXXX and informed them of the situation and requested a fraud referral. I was told it will take up to 90 days for the investigation to complete. I followed up after 90 days but was met with more delays. Finally, on XX/XX/XXXX, I was able to get through and was informed that XXXX had issued a second refund check to Fay Servicing , LLC on XX/XX/XXXX. I was given the number to Fay Servicing XXXX Department, which I called and confirmed that Fay Servicing did received the refund check from XXXX. I called back to Fay Servicing customer 's service # and requested my insurance refund and they denied receiving the 2nd refund check from XXXX. I sent a copy of the 2nd refund check to Fay Servicing customer service, as requested, and they still will not issue my refund. I was told they will get back to me, but it's been over a year and still no resolution and I am back to square one. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
In a previous complaint # XXXX I filed with the CPFB on XX/XX/2021 I was awarded non-monetary relief by the Capital One Credit card company. They responded to my original complaint by stating they would reinsert the credit card account ( ending XXXX ) in my XXXX credit file. 
My complaint is that the tradeline was NOT reinserted in my XXXX credit report and therefore did not do what they said they would do. 

I have attached the previous complaint and a copy of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to XXXX XXXX through XXXX bank on XX/XX/2021 and XXXX Saks 5th Ave on XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to remove right away : KIA MOTORS FINANCE-XXXXBalance {$8700.00} KIA MOTORS FINANCE-XXXXBalance {$12000.00}

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 2021-10-06 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: MD

Complaint narrative:
On XX/XX/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

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 2021-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.Equifax, XXXX, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
The loan process was a disaster and took almost two months. I was told numerous times they didn't do certain things with the courts in response to getting a letters stating that my account was current, only to forward them the emails from the courts saying they just 10 minutes ago did it with the same company. Had i not been persistent we wouldn't have ever gotten to the close. Horrible service. I closed over two weeks ago and based on our contract that we both signed the loan was supposed to be paid off to my current mortgage company by the XXXX. It is now the XXXX and i just called and sat on hold with rocket mortgage for over an hour and a half with no answer. I called them back only to find out they aren't open anymore. I have accrued interest during this period and I had to call them once i realized the issue. How they miss not paying off my loan but create and account for me to pay is beyond me. DONT EVER USE ROCKET MORTGAGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.

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 2021-10-06 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: GA

Complaint narrative:
I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
XXXX XXXX formerly of XXXX XXXX XXXX XXXX MD XXXX We have been dealing with XXXX XXXX attorney MrXXXX XXXX for the past few months. 
I have informed Mr.XXXX that I did not want to communicate by email.We have asked for communication by phone and now we are been ghosted. 

Mr.XXXX got information from us that Ocwen charged us fees each month to pay our mortgage over the phone.I also let them know that the state of Maryland was investigating them for this as it was illegal. 
Mr.XXXX when he did replay he said that we did pay the fees but it was only twice in 2013. This is incorrect we were charged the fees each month we paid over the phone. 
I informed MrXXXX that the company that they used for their customer service was not licensed in the state of Maryland we got no response. 
Ocwen customer service is the only live phone line you can reach. 
The customer service were the ones that told us your account went to collections and here is their name and phone number and Ocwen has no ownership of the matter anymore. 

I have sent emails to Ocwen ombudsman in the last few weeks and all I have gotten back are letters we will review and get back to you. 
Ocwen has never gotten back with us and they will not be Mr.Messingers words. 

I would like all of the above addressed by Ocwen over the phone. 
I have reached out to many people at Ocwen and XXXX XXXX XXXX over the last few weeks as I don't feel people are been honest with us. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been having an ongoing issue with capital one bank not releasing my funds of XXXX that remained from my small business loan a loan that I have to pay back but theyre holding my funds hostage. I talked to the security team with capital one and they stated they were sending it to the lender but would not give a time frame so I contacted my lender and they stated at this point its my money and since the ppp closed there is nothing they can do. It has been for 4 months and I feel like they are trying to still my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a dispute letter to Experian for XX/XX/XXXX for a charge off that has been paid to XXXX XXXX XXXX  XXXX amount number - XXXX. Experian received the letter and sent me a letter on XX/XX/XXXX stating that my account is updated.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
The debt was remove from my credit reports, now it is appearing under collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have had my card compromised several times this year on both my son 's account.and now have had to send me out a new debit card several times... And because of the fraud activity.. they froze my accounts and won't let me access my account with my money that is mine. I need my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I opened a Chime account and had been banking with them without any problems. Had a deposit come in my account around XX/XX/2021 that had my name on it and they closed my account without sending me a check for my funds that was in that account. I contacted Chime several times and was only to correspond through email due to them closing the account. I was never able to speak to a live person. I am in need of getting my balance from Chime. Can you all assist me in getting my money from the institution? I do know they can not confiscate money from anyone that they did not supply. Please help!. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MO

Complaint narrative:
My name is XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that, and my rights have been violated. The laws also state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods used to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
Ive made countless efforts to reach out to Experian regarding my account with XXXX Theres a Payment reporting late for XXXXz I wasnt late. XXXX has been having issues with website and phone lines. I disputed online with Experian they refused to remove late payment. I mailed letter and received a letter for validation of debt which I never asked for. Im simply asking for late payment reported to be removed it hurts that these letters are not being reviewed when we consumers mail them in

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 2021-10-06 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: MD

Complaint narrative:
On XX/XX/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and needs to delete right away : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
On XX/XX/2021 I sent a letter to the Experian to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to Experian

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