vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
Evidence of insurance coverage placed letter sent in mail 3 times called several times unable to get ahold of anyone finally got ahold of someone after 2nd letter in which the representative stated that home insurance coverage lapsed because they never received a bill from the company. I had no idea this had happened until months passed. 

Formal insurance was obtained on my behalf as soon as I learned of the situation. Speaking with the representative she informed me to fax over the declaration page showing that homeowners insurance was in place and to put a note with it asking them to pay the premium from my escrow, which I did the same day. 

The representative informed me that this would be paid out and any monies remaining in the escrow would be sent to me in which I would have to mail directly back to the escrow department. 

Although everything was taken care of on my behalf I have not received any answers or a check. 

Fast forward to the beginning of the year XX/XX/2022. I receive notice that my mortgage has now increased over {$350.00}. I have spoke with one person who basically stated that we were basically awaiting for the mortgage to be re- analyzed. I have yet to get an direct answer about the situation at hand after leaving several voicemails and being kept on hold hours at a time. 

In the letter stating that my insurance has increased it also stated that my escrow was deficit, but at the same time the force placed insurance has already been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX CRA : NAVY FEDERAL CREDIT UNION ( Application Number XXXX ) CRA ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XX/XX/2022 ) Recently, I, XXXX XXXX XXXX, was denied an extension of credit by NAVY FEDERAL CREDIT UNION On XX/XX/2022 I applied for NAVY FEDERAL CREDIT CARD limit {$16000.00} As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
On XX/XX/2022, My XXXX XXXX was compromised, and I had to payoff my Apple Card ( Golden Sacks ) account and close it because it was linked with my compromised XXXX XXXX. I was then told that I could apply for a new card using my new XXXXXXXX XXXX, so I did that. After multiple calls and miss leading information that multiple representatives provided me I was so upset and requested to withdraw the application on XX/XX/2022. Perhaps an hour after that I re-applied and patiently waited, and after 2 days the application was declined because of not being able to verify my identity. 

My identity was not compromised nor it changed and in both applications that I have applied they were declined because of not being able to verify my identity after providing twice a scanned copy of my drivers license as requested. 

When I called Golden Sacks I keep getting the run around and miss leading information. My concern now is that the first original account that was opened and approved with a {$4500.00} credit limit an unexperienced representative reported Fraud in the account and that is the reason why I am constantly getting declined. In addition, because I had to close the original account that was opened that is going to impact my Credit Bureau Reporting and drop my credit score. 

I have been miss lead, and bounced around by numerous agents and this is the worse customer service experience that I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Hello, I am XXXX XXXX XXXX. 
I have a problem with Experian credit reports. Yes I am like most that has fallen on hard times and had to learn how to clean up credit card payment history. Yes I fully expected my credit score to be negatively effected. I was able to settle all debts and close all my accounts. This is were my complaint is. I paid off my student loans and now have stellar loans payment history. The other two credit reporting companies reflect this. Experian is not. They have not removed the negative remarks that the others have. Worse yet they keep attempting to sell me a product they sell as a service to help clean up my score. My score has is very good now for the unbelievable hard work I have done to make things Wright. Please help me with this terrible situation that this giant of the credit industry has or is doing to me. 
Thank You XXXX 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 explanation
Consumer complaint received 2022-02-08 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX and XXXX are reporting inaccurate information on M & M CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Also, I tried contacting the XXXX and XXXX Credit Bureaus to request a complete payment history with this account for me to review the exact date on which the collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NC

Complaint narrative:
Checking and savings account opened with Unionbank. Company stated they closed the accounts.

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 2022-02-08 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: TX

Complaint narrative:
I submitted a dispute on XX/XX/2022, in sending out of the dispute on items on my Experian Credit File. I received a credit report by mail on XX/XX/2022. Of the items disputed on report were, XXXX XXXX Acct # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX,. Upon reviewing my report. I noticed first of all the mispelling of my fist name of XXXX XXXX, as XXXX XXXX. Which was incorrectly spelled, I have had numerous problems with Experian making errors on my report. I also noticed on the front page just below my nameof 2 accounts that I had disputed, I noticed in writing below account XXXX, acct # XXXX, and XXXX XXXX XXXX acct # XXXX. Below these 2 accounts a statement of " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. when in fact the accounts were listed. And also the other accounts i disputed were listed on my report XXXXXXXX XXXX, and XXXX. I request that all disputed accounts be deleted from my credit file. Per the FCRA, laws as it pertains to verification, and 100 % accuracy of accouny information. Which was not the case with my Experian credit file ... ... ... ... see attached copy of credit report displaying inaccurate statemnt of accounts disputed.

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 2022-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Complaint number : XXXX. 
I am reopening my last complaint ( above ) against BofA. I am not satisfied with BofA 's response. 

CFPB closed my complaint just on the basis of BofA 's first response! CFPB never bothered to confirm with me if BofA actually resolved my complaint or not!

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 2022-02-08 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: LA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by XXXX. d/b/a AVANT. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by XXXX d/b/a XXXX on XX/XX/2022, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX AVANT adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), XXXX d/b/a AVANT is now civilly liable to pay me for the damages. Correspondence has also been sent to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: KY

Complaint narrative:
Experian refuses to take off a report on my credit, i paid off account about 2 years ago and have been trying to get it taken off Experian. XXXX already confirmed it was payed off but Experian refuses to take it off. Report already fell off other credit bureaus

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX  is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT 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 2022-02-08 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT 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 explanation
Consumer complaint received 2022-02-08 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: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
ON XX/XX/2022 I GOT A LETTER IN THE MAIL FROM CASCADE CAPITAL FUNDING ABOUT A DEBT THAT I OWED AND I HAVE NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I opened up a complaint ( XXXX ) that was closed based on American Express response XXXX They indicated that I was informed that I was not eligible for the promo offer of XXXX XXXX miles. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. 
I would like a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised XXXX miles. I received the referral and completed the application from the referral I received from American Express. I was then approved very quickly but no mention was made about the possibility of not receiving the miles. I have a credit score of XXXX so how is that they want my business but wont follow thru with the miles they promised? This is very unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from Transunion and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to Transunion exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Transunion to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to him that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Transunion. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Transunion be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.

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 2022-02-08 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: LEXISNEXIS
State: AR

Complaint narrative:
On XX/XX/XXXX. XXXX LexisNexis sent me an documented letter stating that they had removed the bankruptcy from my consumer report. Then I received a letter XX/XX/XXXX stating that LexisNexis has verified the Bankruptcy as accurate and to contact the court. Which I have and in the attachments you will be able to view. My Drivers License, my Social Security Card and the letters from LexisNexis and the Courts. They are illegally keeping a negative item on my credit. Which is hurting my ability to by a home or obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
XX/XX/XXXX I submitted a complaint on XX/XX/XXXX ( # XXXX ) and a follow up on XX/XX/XXXX ( XXXX for TransUnion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/XXXX. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know they are going to try to lie and say they used. They told you all that I can contact them on XX/XX/XXXX and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now. I have been waiting since XX/XX/XXXX which is over 6 months so this needs to be taken off immediately. This is really preventing me from getting a home because it is weighing my credit score down. The other bureaus don't have anything like this. I know that the bureaus have not been taking care of the customers that they are serving per the news.

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