vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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: PA

Complaint narrative:
Attached are letters asking for proof of investigation. This letter was sent certified and I have attached proof of delivery on XX/XX/2020. This credit bureau has failed to send any proof of investigation to date. They did change the status from open to close. Other credit bureau has deleted the items from my credit report. They have had more than 30 days to investigate and send proof of investigation or be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I transferred funds from my savings to checking before XXXX. This morning, I get up and see an overdraft fee and was told by customer service that its because I have to transfer before eastern time. In other words, their time. I was told previously to transfer before XXXX XXXX  now they changed it up. That is something new. I have banked with them for years. They did not reverse the fee. They wanted to use one of my {$37.00} that I am entitled to when its their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 on my credit report it has been over 60 days so they should be 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 XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
every 3-4 months they said they haven't received my payment, but I think they hold a certain number of them so they can get late fees. We own many properties and send the mortgages via billpay. this is the only one that occassionally " doesn't receive payment '' This occured for the XX/XX/2020 and XX/XX/2020 payments. 
In addition, your account isn't real time so if you send in a payment you don't see it reflected until THE NEXT MONTH. There should be a class action suit against them so we can look at their books and see how many people they are doing this to. Also, I think they may be stealing escrow money because I balance my books ( yes accounting nerd ) including the escrow on my mortgages and guess what. This is the only one that says they didn't receive the bill. The loan is in the company name of XXXX, XXXX, but I as the owner have a XXXX credit score so you can see that I pay my bills on time. 

I would like for the XXXX and XXXX late fees to be reimbursed and and the fee to pay online be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
I recently purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX Ohio, They found financing and never advised me that I had been approved through multiple lenders they only advised me that I was approved LGM finance which the dealership also owns that company..they never told me that or explained rates offered by other companies so I could make the decision as to which company I wanted to go through. They basically chose themselves on my behalf without my consent or knowledge. This LGM finance company charges me interested but never tells me how much they do not send me statements only receipts when I make a payment and it doesnt compute any interest charges. They also call me several times a day before my payment due date and dont allow the 10 day grace period for payments as stated in my loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
In XXXX of this year XXXX I received a call from XXXX XXXX XXXX about a debt of {$2300.00} from XXXX University. I had graduated XXXX University in XXXX so I was confused to say the least and they told me I had an account balance of {$2300.00}. I explained to them that my employer paid XXXX University directly and there had never been an issue in the years I attended. I was then placed on hold and when the person returned, I was told they see the mistake and it has been taken care of and that if anything further were needed from me, they would contact me. I never heard back from them, so I believed it had been corrected. Then last week XX/XX/XXXX I received a credit alert that a collection was placed on my account from XXXX XXXX  XXXX for {$2300.00} I have disputed this debt, but it has caused a major impact on my credit score. Three years after I graduated this appears out of the blue, this is not my debt, and when I spoke with the representative from XXXX XXXX XXXX it was acknowledged and I was told it was being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: FL

Complaint narrative:
I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.

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 2020-09-09 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: RFNA, LP
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to Republic Finance , LLC asking for validation of their inquiry made to my personal credit profile on XX/XX/XXXX. Republic Finance , LLC has failed to provide me with the appropriate verification that they had my personal authorization for this inquiry. Instead they state that someone called on the phone and authorized. This does not substantiate that they had my authorization for said inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We have submitted documents to have our PMI private mortgage insurance removed several time. We received a appraisal for XXXX and exact same and even smaller homes sell for {$430000.00}. This difference caused us to keep paying PMI when it should have been deleted. I've called several times with no response and no follow up or return call or letter. This must be stopped. It's a money making scheme and they more the bar everytime to qualify. I have prove of the home sells.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I changed my homeowner 's insurance company to XXXX XXXX XXXX XXXX, effective XX/XX/XXXX. The policy covers XX/XX/XXXX to XX/XX/XXXX. FYI-Monies for my homeowner 's insurance and property taxes are a part of my escrow account and included in my mortgage payment. My mortgage payments and account are managed and serviced by Fay Servicing. 

XX/XX/XXXX ; I received a notice from XXXX stating that my homeowner 's insurance policy was not paid on XX/XX/XXXX and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they the pay invoice. They instructed me to get a copy of my insurance declaration and current billing statement. I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; I received another notice from XXXX stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they pay the invoice. They instructed me to get a copy of my insurance declaration and current statement. With the assistance of XXXX 's XXXX XXXX : XXXX XXXX, again I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; Again I received another notice from XXXX 's stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$370.00} was now due by XX/XX/XXXX and that my insurance was in jeopardy of collapsing. Based on my conversation with XXXX the payment of {$740.00} had been reduced by {$370.00} due to COVID Relief Fund. 

Throughout my contact beginning on XX/XX/XXXX, I have left messages for my Account Manager XXXX XXXX. XXXX is either busy or never return my calls. 

XX/XX/XXXX ; I contacted Fay Servicing and requested that they pay the invoice. I encountered 6 different representatives, with the exception of one XXXX, Account Manager, most were either unhelpful, rude or transferred me without prompting : 1 )  XXXX. ( not knowledgeable and transferred me without any prompting or explanation ) ; 2 ) XXXX @ XXXX XXXX. ( RUDE needs training or another job-NOT customer service material ), 3 ) XXXX @ XXXX XXXX. ( patient, very nice and tried to get XXXX XXXX on the phone line ), 4 ) XXXX XXXX, various dates and times since XX/XX/XXXX XXXX never available or return calls ) and XXXX ) Finally, XXXX, Account Manager ( polite, helpful and businesslike ). 

It is my hope that XXXX 's instructions ( same process as before ) will resolve this matter but I just do not have any faith at this point. However, I will comply and send them a copy of my insurance declaration and current statement for the THIRD time. 

Fay Servicing has horrible customer service most of the time! I absolutely hate doing business with them. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: PA

Complaint narrative:
Re : US Bank Relia Card. 
This card is for unemployment benefits. 
On XXXX XXXX I tried to transfer funds from the card to my bank checking account. 
The card was blocked. 
After XXXX hour " hold " on the phone i was told to fax a copy of my driver license for verification. This I did on XXXX XXXX. 
On XXXX XXXX I spent many hours on " hold " with " customer service '' at Relia card. 
After many hang-ups I was told that the issue is resolved and card is unblocked. 
But I was told that I still can't transfer funds for 2 weeks. ( No reason. ) These are my funds which I need desperately and I should have access to them as soon as the funds come in. 
Thank you. 
P.S. The Bank and Reliacard " customer service " should be re-named " customer torture ''.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was victim of fraud and I have a Bankruptcy on my three credit reports ( XXXX, TransUnion, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in XXXX ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.

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 2020-09-09 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: MA

Complaint narrative:
I was victim of fraud and I have a Bankruptcy on my three credit reports ( XXXX XXXX, Experian ) that I never authorized. The lawyer  scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in XXXX ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.

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 2020-09-09 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: FL

Complaint narrative:
I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.

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 2020-09-09 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: FL

Complaint narrative:
I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CA

Complaint narrative:
I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request

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 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have a had XXXX XXXX XXXX since XXXX. I paid it off in XXXX and was sent the vehicle title. My wife and I moved 2 years ago and I can not locate the original title. 
I sent in the form for a replacement title to the Treasurer of XXXX County Iowa along with a check for {$25.00}. I received a letter back saying that there was an open lien with ( Wells Fargo Financial XXXX XXXX XXXX ) and they would need to release the lien. 
I tried to contact Wells Fargo and when I did I was told that Wells Fargo Financial didn't exist anymore it was now part of Wells Fargo. They Transferred me to Wells Fargo XXXX which is also being absorbed by Wells Fargo. When I supplied them with my information ie my SSN I was told they had no record of me in their system. They transferred me back to Wells Fargo customer service. No body there cold help and I was told to go into a local branch to see if someone there could assist me? I tried to set up a meeting online per their guidelines. I was given a number of drop down options as to what my meeting was about but non of them matched the topic. So I had to click on ( other ) which took me back to the same customer service number I originally called. I've gone through this several times and keep getting the same result. I don't feel like anyone at Wells Fargo is very interested in helping me resolve this issue for a 22 year old vehicle? 

No lien shows in any of my credit reports. I paid for a car history report and it shows the transfer of title to me in XXXX and no active lien on the vehicle I'm not sure what else I can do? 
I have someone who wants to purchase the vehicle, but I need a replacement title before I sell. 

I can provide the car history report if you would like to see this? The VIN on the car is : 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 2020-09-09 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: PA

Complaint narrative:
I sent a certified letter delivered to the credit bureau on XX/XX/2020. To date, these items are still listed on my credit report and I have received no proof of investigation from this credit bureau. It's been over 30 days and the only send me a document saying verified but have never sent proof of investigation and continue to ignore my inquiries.

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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
The creditor has the date the account opened wrong. I began owing a balance in XX/XX/XXXX, they have it starting in XX/XX/XXXX, then it states that it was first reported on XX/XX/XXXX. These dates are not accurate. I think this is an attempt to prolong the debt on my credit report. On XX/XX/XXXX I observed additional information not provided from this debtor on my credit report such as last reviewed and last time it was active. A week letter on XX/XX/XXXX I sent a certified letter to XXXX to request that information be added and debt information updated. On XX/XX/XXXX I received letter back from XXXX, with no changes or updates were made to the debt in question. On XX/XX/XXXX I ran a credit report again, which indeed confirmed no information had been changed or updated. 

Below I have attached my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Millco Management
State: NC

Complaint narrative:
On XX/XX/2019 I visited XXXX Hospital in XXXX North Carolina. I had insurance ( XXXX ) at this time and should have been covered fully. The XXXX in XXXX county has confirmed this and I have been working with XXXX, who is fantastic and helping search this problem daily. My account number with AmeriFinacial Solutions is XXXX and the reference number is XXXX The above mistake on XXXX XXXX XXXX has cost me dearly in interest rates, declined credit lines, declined automobiles and many other headaches. This must be deleted from all three credit reporting bureaus immediately or I will seek council for damages. I highly suggest you reach out to XXXX in XXXX and get this resolved in very short manner. The total bill is now XXXX This has already been removed from XXXX. However, it is still showing up on XXXX. This has been requested months ago to be removed as I was not held responsible for this account. XXXX has called you months ago to remove this. Remove this immediately and send me a written copy with company letter head that you will be deleting this. Otherwise, you leave me NO CHOICE but to seek damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation