vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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:
Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, Experian, XXXX, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned 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 2021-11-03 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TN

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They 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 is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My home loan was sold to Mr. Cooper Mortgage company. I had no say in them taking over my home loan!!! I started a recast with them in XXXX. I sent an additional {$270000.00} in order to lower my monthly payment from {$2400.00} per month to {$600.00} per month. I filled out the necessary paperwork in XXXX and sent it overnight to their office in Texas. I called in XXXX to find out why the new monthly payment wasn't showing in my online portal... only to find out they didn't show they had those documents. I talked to XXXX XXXX on XX/XX/XXXXth, sent her the signed required docs, and she sent me an email acknowledging that she received them ... and there was nothing else needed. XX/XX/XXXX, I received another email letting me know they did not have the proper documents needed and we would have to start over again, for the 3rd time. In the interim, I am paying the {$2400.00} as apposed to {$600.00} which I was expecting. If you can help, you would be a miracle worker. XXXX Loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft and I reported this to CapitalOne on XX/XX/2021 and asked to flag and secure my accounts. CapitalOne failed to protect my assets and failed to take precautions. On XX/XX/2021, CapitalOne allowed the fraudster to do 2 withdrawals back to back within a span of 5mins and took a total of {$6000.00} from me. It has been an entire month and each time I call they all say the same thing, no timeframe of when I will get my money back and no timeframe for any updates/status of my case. I have been asking for an affidavits for weeks and still no words about it. If CapitalOne had taken my reporting seriously back in XXXX all of this could have been avoided. All the represenatives nonstop repeating the same thing that I will get my money back don't worry about it and someone will contact me in a few days, but this is not the case and its 4 weeks now and still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a dispute via XXXX and received a letter back on XX/XX/2021, in addition I had submitted the notarized affidavit regarding the Identity Theft and per letter received, The documentation provided is not signed by law enforcement officer, as a result it will remain on XXXX per the signature page, As applicable, sign and date IN the presence of a law enforcement officer, a notary OR a witness I signed in presence of notary.

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 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
on XX/XX/2021, usps certified mail # XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX, i sent south mississippi collection services letters about the alleged debts of ; XXXX ; XXXX ; and XXXX that I don't owe.I haven't heard from them concerning this matter for over 90 days, my first response was XX/XX/2021, which is a violation also.the law states in 15bUSC 1692E ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. i DO NOT OWE this alleged debt and it needs to be deleted from my credit report before I get a credit counsel

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC
State: FL

Complaint narrative:
according to loan documents from omni financial a service member who was XXXX  released is no longer held liable for making payments on their loan, that is the reason for the insurance on the loan. for almost 6 years Omni financial has been trying to collect a debt from me, even though i contacted them on several occasions stating and providing documents ( dd 214 ) showing i was XXXX  released from XXXX XXXX XXXX due to XXXX  reasons. Under the SCRA i can not be held liable due to the fact i was XXXX  discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I received a letter from Credit Corps Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, phone # XXXX, claiming that they now owned a debt I had supposedly incurred for {$390.00} with XXXX. A XXXX representative has assured me that this is not so. I have mailed the letter suggested by CFPB to these folks disputing the debt ( thank you so much, CFPB ), but am in addition submitting this complaint in the hope that others can learn from my experience should they receive a letter such as the one I received. ( It was actually a pretty poor attempt on this outfit 's part, since if they actually had obtained rights to collect this nonexistent debt from someone, they would not have badly misspelled my name on the letter to me ; but there was enough correct in it to show that I was the intended recipient ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Description : Mortgage closed with XXXX XXXX in XX/XX/2020 then was sold to Lakeview/XXXX. I have an FHA ( principle, interest, taxes, insurance escrowed ). Lakeview/XXXX has failed to pay my homeowners insurance on time causing them to send me a letter of cancellation. The letter does give me the option to pay out of pocket to keep the policy from canceling however I have paid out of pocket w/in my mortgage payment each and every month with the funds sitting in an escrow account. Lakeview/XXXX was instructed last week by goosehead insurance. ( see letter attached )

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 2021-11-03 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: GA

Complaint narrative:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, U S DEPT OF EDXXXX XXXX , and U S DEPT OF EDXXXX 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 2021-11-03 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: GA

Complaint narrative:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I have received numerous calls from this agency on a dialer on the same day. I have the call logs. There are days where I have received 7 calls in one day. They have not sent any correspondence to provide proof of this debt. This is a student loan debt that is already paid. They must provide me with the original promissory note with my signature to prove the debt and they have not done so. When I spoke on the Phone with the last agent he did not properly identified himself his greeting was hello did not say his name or where I was calling. He was rude and hung up the phone on me. When I called back I was hung up again. The company is Transworld systems. I worked for them and I know their script. The first two conversations with a debtor they are encourage to be rude and belligerent so they can be nice and settle the debt on the third phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXXirst Source is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. First Source has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; First Source has been reporting to all 3 credit bureau Since 2019. First Source clearly has had accesses to my account since XX/XX/2019 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and I don't recognize this account on my credit report. Please remove and update all accurate information.

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 2021-11-03 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: WI

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
In 2016, I negotiated a deal with Sallie Mae ( now Navient ) to reduce my student loan payments. I negotiated a deal that combined all three of my accounts into one payment of {$250.00} per month and an interest rate of 0.01 %. Since then, I have made this agreed payment monthly, on time, by direct debit. Unfortunately, they report this as a late payment every month and the accounts show as charged-off on my credit report even though I continue to make the agreed payments on time. They also do not list any due date for the payment online in my account. I have been told by them that they are allowed to do this, but it is false information that is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello there, My problem is with the Coinbase.com site, that have blocked my account and don't allow me to manage my crypto currencies. I have all my documents and information verified and the amount of money that I have actually is around XXXX , so nothing " suspicious ''. 

I tried to contact with them via XXXX, XXXX and they support platform, but I only receive automatic messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX ( LVNV FUNDING ) HAS Duplicating account information on my credit report 2 of the same debts from the same creditors and the same account first the used webbank/fingerhut to report his debt then again for LVNV FUNDING ( XXXX XXXXXXXX/XXXXXXXX ) this is in direct violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: PA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been sending written letters with regards to my request of removing the inquiries in question and my last request was sent XX/XX/XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They 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 inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received emails about inquiries on my report

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 2021-11-03 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: Reliable Credit Association, Inc.
State: AZ

Complaint narrative:
I received emails about inquiries on my report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC
State: IL

Complaint narrative:
Fairway Capital Recovery called my personal phone number about collecting debts on behalf of a sorority that I quit years ago after I had already left the organization. They said that if I didn't pay the debts that my credit score would be damaged and asked for my email address and home address to send more collections to. They refused to tell me when my credit would be affected and give me verification of my debts.

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