vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I have been baby-sitting Flagstar for 3 consecutive payments and they have not resolved the issue. I set-up payment transfer online to pull funds from two banks, every other Friday. The payment transfer started on XX/XX/2022. I authorized {$860.00} to pull from my XXXX XXXX ( XXXX ) account and {$250.00} from my XXXX Bank ( XXXX XXXX account to complete the bi-weekly payment of {$1100.00}. On XX/XX/2022, Flagstar pulled {$990.00} from XXXX and {$120.00} from XXXX. I contacted Flagstar immediately for an explanation. I spoke with a supervisor named XXXX. During the call, she confirmed the system is showing how I set-up the payment transfer : {$860.00} from XXXX and {$250.00} from XXXX. I asked her if this was system glitch or a human error, but she can not explain what happened. She assured me that this will be corrected. The next payment transfer was scheduled on XX/XX/2022. Flagstar processed the payment on XX/XX/2022, and pulled incorrect amounts again : {$250.00} from XXXX and {$860.00} from XXXX. I called again and requested for XXXX. XXXX had no explanation again and confirmed how it was set-up in the system of records : {$860.00} from XXXX and {$250.00} from XXXX. And again, XXXX assured me that it will pull the correct amounts on XX/XX/2022, as I've authorized them. I have 2 case numbers : # XXXX and # XXXX. I asked XXXX if this was a system issue or a human error. She did not have an answer. On XX/XX/2022, I called because there was no payment transfer showing on my accounts ( XXXX & XXXX ). Customer service stated that it usually days to complete payment processing. I told her, I just wanted to make sure that you will be pulling the correct amounts from my bank accounts, and she confirmed again what is showing in their system : {$860.00} from XXXX and {$250.00} from XXXX. I checked last night, and I can not believe they made a mistake again : {$860.00} from XXXX  and {$250.00} from XXXX. I called today really upset and asked for a manager, not a supervisor. Another lady spoke with me and I think she told me she was a supervisor. I specifically told her to right down how payments were set-up and how it should be done, so she wont ask me again, but she did ask me again. She said that the first transfer on XX/XX/2022 from XXXX was {$990.00} and asked me if XXXX made an error. I got so angry with that question because obviously she was not listening and does not know payment processing. I told her, who initiate the payment as shown in your system, XXXX or Flagstar? She gave me so many alibis making it seem that I am the problem. I told her to fix the problem and disconnected the call. The most annoying part of this problem is that they kept on confirming that their system is showing how I wanted payments to be processed, but the error keeps on going.

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 2022-03-07 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: KY

Complaint narrative:
On XX/XX/2022, 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 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 non-monetary relief
Consumer complaint received 2022-03-07 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: KY

Complaint narrative:
On XX/XX/2022, 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 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 non-monetary relief
Consumer complaint received 2022-03-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit report shows a late payment from 2018. This is one item on my report negatively impacting my credit. As you can see from all my payments, Ive never had a late payment. I had one problem with this company when they had problems with their computer systems. I made the payment and recorded the confirmation. When they called me about the late payment, I gave them my confirmation number and they could not locate it. I always make on time payments with their automated phone system. This was an issue on their end and needs to be removed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I took out a loan through XXXX XXXX  for a Private Student Loan in 2007 for {$10000.00}. My loan is now at {$20000.00}. My current interest rate is 8.8 %. This loan was taken out through a XXXX College with very little retention rate. I was XXXX XXXX XXXX when this loan was taken out with the only income listed on the " income section '' of the loan application is my financial aid listed as " other income. '' My Mother co-signed my loan. She is now deceased. 

Things I have requested from Navient ( because it advertises these options on their webpage ) : Income-driven repayment plan XXXX XXXX I call every month and they tell me all they can do is reduce my payment from {$200.00} to {$150.00}. 

I'm going into debt making a {$200.00} payment a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has already gotten paid twice for this debt that they are trying to sue me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have contacted Amsher Collections on more than one occasion requestiong validation of debt and everytime I call im told that ill have to wait 60-90 days but the request was made. FCRA states they have 30 days when I notified associate of that she hung up in my face. I Called back asking to speak with A manager im told one is not available but they can have one call me back and I never hear from them. I reached out around XX/XX/2021 and still have nothing. I would like this inaccurate information removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this claim regarding the XXXX XXXX credit card account ending in XXXX I have with Capital One in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : XXXX, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the Capital One dashboard would not let me add any type of payment card to make payment on-time : XXXX {$39.00} XXXX {$39.00} XXXX {$39.00} XX/XX/XXXX {$39.00} Total amount of late fees that were assured by Capital One to be removed : {$150.00} Capital One has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to XXXX in addition to reporting the wrong balance of {$510.00}, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- {$350.00}. I came to this calculation by deducting the past due fees of {$150.00} from the current incorrect balance of {$500.00}. 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different Capital One representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

Capital One has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as Capital One is at fault. 
Additionally, I have called Capital One on several occasions to switch credit card types-from the Capital One XXXX XXXX Card to the Capital One XXXX XXXX  XXXX Credit Card. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with Capital One, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NC

Complaint narrative:
On XX/XX/2022, 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 2022-03-07 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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-07 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: AL

Complaint narrative:
There are multiple issues and infracations on reporting of my accounts detailed in a letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
FRANKLIN SERVICE INC. 

This is for a previous phone bill. I asked them for several months to send me an invoice and was denied a copy of what I owe. They wanted me to make the payment over the phone with no way for me to verify who and what I was paying for. I also told them I was waiting for Pandemic Rent and Utility Relief and when I told them unless you send me an invoice or something in writing to stop contacting me. They claimed I was sent an email and that I opened the email so therefore I was aware and had documentation of what they were trying to collect. I had told them that I went through all my emails and I could not locate the email they claimed I had and opened. Again, they refused to resend me documentation and instead kept harassing me to pay. I then contacted XXXX XXXX XXXX and asked if I could pay the bill and for them to send me a copy of the Bill while waiting for them to send it to me Franklin Servicre Inc. notified the Credit Bureaus and had placed a Derogortory Remark against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sunbit, Inc.
State: CA

Complaint narrative:
To Whom it may concern, I have misplaced/lost my Sunbit Credit card on Friday XXXX. Fraudulent transactions have been occurring. 
I went online to check my balance, and it seems like a person has been using my card at stores such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX for over {$70.00} on Saturday XX/XX/2022 and Sunday XX/XX/2022. 

I currently do not have possession of the card. My family does not have access to it. Definitely, somebody has been using it without permission. 


thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NC

Complaint narrative:
On XX/XX/2022, 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 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 non-monetary relief
Consumer complaint received 2022-03-07 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: NC

Complaint narrative:
On XX/XX/2022, 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 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 non-monetary relief