vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
My mortgage company rocket mortgage Quicken Loans cold called me about refinancing. The person pulled my credit report without my knowledge or consent. I complained about this talk to a director. They decided to go ahead and try to refi my mortgage which again I did not request a cold called me. We agreed on 2.875 % interest rate and no upfront cost for closing cost of any kind. After delay after delay on their part they now tell me I owe {$1700.00} at closing I complained and they reduced it to a little over {$1000.00} in closing but I told them I was told from one of their directors there would be no closing cost of any kind. This is been going on since XXXX of this year. They keep trying to assess late fees for mortgage payments but I was not to make a payment because of the closing. This is utterly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet moved my account out of unemployment forbearance in mid-XXXX without a notice to me. No letter, no email, no call. I reapplied for the forbearance via postal mail. 

XXXX rolls around. Nelnet sent me no letter, no email, no calls. 

XX/XX/XXXX - Nelnet finally contacts me and tells me Im 1 month behind. They want {$350.00} or thereabouts. 

Nelnet, by failing to communicate in any way, deceptively led me to believe I had the forbearance issued by the CARES ACT. Apparently they say my loans starts with a D, which means sorry I dont get that. No letter, call or email about that either. 

I filled out a forbearance form today XX/XX/2020 in response to the first communication I received from them since well before XXXX. No notice or an end to a forbearance, no bill, no calculated payments, nothing. 

I requested an administrative forbearance, as well as a renewal of my unemployment forbearance. I have no job, I eat XXXX  once a day if Im lucky, sometimes half a can of tuna. I dont qualify for food aid because Im a male, and there are no jobs. 

I am at the end of my rope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Pentagon Fcu-alexand Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, XXXX, XXXX  and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I recieved notification from a collection company for a retail ( XXXX  ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with XXXX. In XXXX of XXXX I enrolled in a debt relief program XXXX  XXXX and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a XXXX account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd XXXX account that does not being too me, I've never paid to a second account, I have XXXX statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd XXXX account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with XXXX since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY XXXX ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CA

Complaint narrative:
I submitted a letter to Experian and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them from XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : EXPERIAN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Experian has failed to respond to my dispute letter of XXXX. I sent this letter Certified registered mail, Drivers license copy of social security # and have enclosed a copy of the return receipt which they received XXXX XXXX, 2020. 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Experian report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY US BKPT CT CA XXXX XXXX ID # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible. 
Sincerely, 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 2020-07-22 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: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 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:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( TU & XXXX ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( TU & XXXX ) The following items are incorrectly reporting that I was late : XXXX   XXXX - Opened Date : XXXX ; Bal : {$650.00} ( TU, 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 2020-07-22 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: GA

Complaint narrative:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( XXXX & Experian ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( XXXX & Experian ) The following items are incorrectly reporting that I was late : XXXX   XXXX  - Opened Date : XXXX ; Bal : {$650.00} ( XXXX, Experian, 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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been attempting to get ahold of a live person at Experian to unfreeze my account. I am trying to have mortgage lenders verify my credit so I can purchase a home. Experian can not verify my account and I can not find a fax number or a person to talk to in order to send them the necessary documentation. They have no customer service, just an automatic answering prompt which never gives the option to speak with someone, and then their website which also provides no contact information. 

This is such a pain. The other two credit bureaus were easy to work with. Why is a company this terrible with service even considered to be a standard in the industry when it comes to credit reporting? So frustrating.

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 2020-07-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied to refinance my mortgage and i was told by the mortgage company that there was an open dispute on my Citibank Costco Visa account on all 3 of credit reporting agencies. I have called Citibank 4 times including today and spent a lot of time to get this straightened out. They keep passing me to extensions that do not pick or return messages. I spoke to someone today who told me i had to get it fixed myself with the credit reporting agencies. I said no and told him it was their mistake and they need to fix it. He said he would fill out a report and someone will get back to me within 30 days. I said that was unacceptable since my mortgage can not go forward until this issue was fixed and he said that was the best he could do.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I discovered two unauthorized charges occurred through my Chase Checking account through the use of my Debit/Visa Card. The charges took place on XX/XX/2020 put did not post until XX/XX/2020. The charges were made in person by someone in XXXX California first to XXXX XXXX for {$220.00}, and next at XXXX for {$510.00} on the same day. I called XXXX XXXX the same day and nothing had showed on their end. I tried to contact XXXX 's but you can not get through to them. I immediately contacted Chase 's Fraud Department which assured me that the charges would be reversed and investigated and the amounts would post back to my account within 48 hours.Let me also stated that I have lines of credit with both companies but did no such transaction with them. I discovered on XX/XX/2020 that Chase had resend the refunds and debited my account. I recall during the " recorded conversation with the representative from Chase asking if I gave my card to someone. I stated several times that I did no such thing and how could someone use my card number without having my card to make purchases in my name? I have since then contacted the Headquarters of Chase, placed a freeze on my credit reports, contacted XXXX who monitors and supervises my credit reports and profiles, and now in the process of making a police report as suggested by XXXX. It is difficult because the XXXX Police do not place this as a high priority and will take some time to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Loans based out of XXXX, Texas mismanaged funds from our XXXX home loan since acquiring it in XX/XX/2019. Throughout the entire renovation process, their service has been unsatisfactory at meeting our basic needs for a renovation home loan. 
Caliber Home Loans chose to release the 10 % retention fund to our contractor before all work was completed. As stated in Calibers FAQs on their website, A 10 % retention will be withheld on all draw request to ensure all work is properly completed and for lien protection. The retention is released with the final draw upon completion of the project. The items that remain incomplete are as follows : Permanent marker remains on the newly finished wood floors. 
Holes were cut into newly finished wood floors and never fixed. 
Holes were left in the ceiling and floor of 3 bedroom closets. 
Unnecessary holes for registers on ceiling in living room and kitchen were never closed. 
The steel bars were purchased but not inserted in our concrete retaining wall on the ground level. 
Pipes from the old radiators were not removed from the floors. 
Debris from demolition was left in our yard. 

In addition to the above items, Caliber Home Loans released funds in the amount of {$5000.00} within the first draw which should have been held back until the change order had been completed. 
We communicated with Caliber Home Loans several times about the mismanagement of our funds for our home renovation and were ignored. The overpayment of funds to our contractor cut into our remaining budget leaving us with a subpar renovation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX. Fraud was committed on the account and a police report was filed and provided to the bank. I dispute owing the amount of {$1000.00}. This was a fraud case and all appropriate actions were taken to report and all police documents were provided to the back as requested. This item is being incorrectly reported and needs to be removed from my credit report. This is not a correct charge.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
ChexSystems This company denied my opening an account without explanation. I downloaded a copy of my report and there is nothing at all derogatory on the report. It is clean. However, they provide no explanation for the denial whatsoever. All their phone numbers are automated systems with no way to reach an actual person to get this resolved. 

The bank with which I was applying for an account, XXXX XXXX, stated that they can not help and that they do not know why my application was rejected. Online searches indicate that ChexSystems has a history of providing misinformation, and also a history of ignoring disputes, which under the FCRA is illegal.

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 2020-07-22 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: NY

Complaint narrative:
XXXX XXXXXXXX Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, equifax, XXXX and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One account and credit reporting was removed for authorized user XXXX XXXX.

Company response to consumer: Closed with explanation