vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: NY

Complaint narrative:
I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a call today from a debt collector completely out of the blue about a credit card account which was closed in 2011. The woman that called failed to identify herself, and company. When I asked for information I was interrupted, threatened with a lien against my home & calling my employer to garnish my wages, and then she hung up on me. I called back as I felt threatened, she then dangled my personal identifying information as a threat against me to settle this debt which had not been previously disclosed to me in writing ( or any calls ). She then used threatening language in a derogatory manner, threatening me with legal action, when I requested documentation and time to investigate she refused, and said due to the length of time they didnt have to disclose any information to me & could pursue legal action immediately. I settled the debt with my credit card. She then followed up with some scammy documentation, and I am fearful of identity theft & cybercrime against me and my family.

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
I sold property on XX/XX/XXXX, Escrow closed Aimloan in full, meanwhile aimloan paid an insurance premium for next year ( XXXX ) in the amount of {$900.00} on XX/XX/XXXX. I had informed them that not to pay as I was selling property, So Insurance company ( XXXX XXXX ) returned the check back to Aimloan, because the account was closed. I have been contacting Aimloan insurance dept every week and there were no solid answers or action from them, I haven't received {$900.00} yet from them after 3 months. In my last conversation with representative, I was told that insurance dept mailed a check on XX/XX/XXXX, but it's almost 3 weeks now and I haven't received it, so I don't believe that it's really mailed. If you can help me to get my {$900.00} back would be really appreciated.

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 monetary relief
Consumer complaint received 2021-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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: OH

Complaint narrative:
I have inaccurate information on my Experian consumer report. I have made several attempts to resolve this with Experian but have been met with noncompliance and they are still violating my rights as a federally protected consumer. I sent debt validation letters to the following companies after they provided inaccurate information to Experian. The listed companies have yet to respond to my request for validation of these alleged debts. During the validation period Experian and the listed companies have taken detrimental action towards me as they have continued to furnish this information on my consumer report. I would like the information to be removed due to the fact that none of this information has been validated. I have included the United States Postal Service Certified Mail return receipts as proof of my correspondence with these companies. The companies/accounts are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-11 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 notify Equifax about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!

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

Complaint narrative:
My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from Transunion credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc
State: FL

Complaint narrative:
I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started hammering my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As of XX/XX/XXXX I opened an account with Synchrony Bank on a multi-year split payment contract assuring even payments, no fees, and no-interest assuming no late payments. After assessing late fees I corresponded with a representative on XX/XX/XXXX regarding my balance and fees and was advised that making my initially assigned payment ( per contract ) fees would be dropped and my monthly balance would return to as written on contract. Afterwards, my account was never properly adjusted and I continued to receive late payment statements. On XX/XX/XXXX I spoke with a representative XXXX who informed me I had been misinformed and assured me an internal investigation would be opened regarding the representative who handled my account on XX/XX/XXXX, and should they find I was misinformed their " back offices '' would adjust my account as balanced. After receiving no correspondence, I contacted Synchrony on my payment due date to make my payment and discuss my investigation. I was informed on XX/XX/XXXX by XXXX that my investigation was concluded on XX/XX/XXXX and they had found that the representative I spoke with had not misinformed me despite XXXX 's assessment.

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 monetary relief
Consumer complaint received 2021-03-11 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I notify XXXX  about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In XXXX my wallet & personal information was stolen & I experienced identity theft. I alerted all the proper authorities. I also in the past have placed a fraud alert with XXXX XXXX XXXX In XXXX after getting updated credit reports from all 3 credit bureaus I was made aware there was a auto loan with company GM Financial. I immediately went to XXXX police department to report identity theft. I filed a police report & have submitted it to the credit bureaus & GM Financial Company. I wasn't getting any response or cooperation except from XXXX whom finally removed the account. The FCRA fair credit reporting act is supposed to protect me as a consumer. The company & credit bureaus have had well over 30days to provide original authorized documentation to proof this is my account. They have failed to provide this burden. I have been affected & denied housing & other products. I have had to reach out & obtain a lawyer. I am requesting & demanding an account deletion immediately.

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

Complaint narrative:
I have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Since XXXX, I have been unable to file a dispute online through Transunion.com or any site. I have contacted Transunion weekly to have the issue resolved. I have attempted to mail disputes to Transunion and was notified through certified mail that my correspondence was delivered. However, Transunion never acknowledge my disgust request and I was never notified that my dispute would not be investigated. Transunion Refuses to investigate why I am unable to submit this piece online and keeps pushing for me to make my dispute over the phone Which I am unable to provide supporting documents.

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 2021-03-11 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: I.C. System, Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX, a collections company called I.C. System, Inc has " flagged my account as Collections ''. This alert claims I have an unpaid balance to a " XXXX XXXX XXXX ''. 

There is a remark listed as " Affected by natural disaster. '' This utility company claims I have an unpaid balance in the amount of {$690.00} that has been due since XXXX of XXXX. I have absolutely no idea what this is about, whether or not it's a legit company with a legit charge for somebody else, or its an illegitimate company with a fraudulent charge. Either way, I have no idea how this ended up on my XXXX and XXXX  credit reports and it needs to get removed and this company cited.

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 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I had an account with one main two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Financial Services began sending me requests to complete IRS form XXXX, XXXX Request for Transcript of Tax Return, starting on XX/XX/2021 and they were completed and returned TWICE on XXXX/XXXX/3021 and XX/XX/2021. Prior to receiving these documents, Discover placed a hold on online access and card spending on my account until these forms were signed and returned. I waited for weeks, and repeatedly called Discover to ask when I would receive access to my accounts again. I even had to call Discover to make my credit card payments. I was always redirected to their " Consumer Protection/Security Group '' and the answer was " you've signed these documents, so you should regain access to your accounts once we finish processing them. '' When I asked if this was a financial review, every customer service rep and Security rep would say " not really, we randomly select people to go through this verification process. You should never have to do it again! '' ( that particular call was on Thursday XX/XX/2021 ). I never received any status updates or requests for additional information from Discover during their entire verification process. On Monday XX/XX/XXXX, Discover Financial Services sent me the attached email saying that a business decision was made to close my account. The email stated that this was an irreversible decision, and that this process and the inability to appeal was stated in my cardmember agreement. The email stated that Discover Financial Services reported to the credit bureaus that they would report my account as " closed by Grantor. '' I no longer have access to this agreement because my account was closed and deactivated. When I questioned Discover about their verification and decision processes, they stated that they had no information regarding the basis of my verification process, and why it ultimately lead to the decision to close my account. I was told my multiple Customer Security Group reps and customer service reps that they have no process in place to appeal this process, nor the ability to disclose what information they used to arrive at their decision, nor the ability to disclose the basis of their business decision.

Company response to consumer: Closed with explanation