vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 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: DE

Complaint narrative:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the Equifax data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: FC HoldCo LLC
State: OH

Complaint narrative:
Step 1 : What is this complaint about? 

Credit inquiry placed on XXXX Credit Report on XX/XX/XXXX and XX/XX/XXXX. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 

I did not apply for credit with FLAGSHIP CREDIT ACCEPTANCE. I am unable to resolve the issue with the company. The company is giving me a run-around. 

Step 3 : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/XXXX. I contacted FLAGSHIP CREDIT at XXXX, I informed the rep that I did not apply for credit. The rep stated it was to refinance a vehicle. I explained to the rep that I did not have a car loan to refinance and that I wanted this inquiry removed. He told me that I had to call another department. 

Step 4 : What company is this complaint about?

FLAGSHIP CREDIT ACCEPTANC Step 5 : Who are the people involved? 

FLAGSHIP CREDIT ACCEPTANC XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo keeps pushing the closing date out without providing a reason. They insinuate that there is a problem with the appraisal but will not tell me what the issue. I paid to have the appraisal done but they refuse to provide me with a copy. I have asked to speak with the underwriter and have been denied that opportunity. I have also asked to speak with their collateral compliance department and again was denied that. I made contact with a person in their customer complaint department but he has not returned any of my calls asking for status. A manager in that department promised to call me but has not. I asked to speak with the Senior Vice President but was told the she does not take customer calls. These changes have required the real estate agents to extend the contract three time but no one will tell me why. My wife and I both have credit scores over XXXX, have cash accounts of over $ XXXX in Wells Fargo Accounts and another $ XXXX in tax sheltered accounts. We recently sold our home and paid in full the Wells Fargo mortgage on that property. We have no debt including on credit card accounts. We are asking to borrow $ XXXX on a $ XXXX property. We asked why there was an appraisal required and were told that it is a XXXX XXXX requirement. This is a conventional loan and as far as i know XXXX XXXX should not be involved. We are in danger of losing the contract on this purchase and will become homeless if that happens.

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 2020-12-06 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: DE

Complaint narrative:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.

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 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, Experian, and XXXX ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.

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 2020-12-06 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 — Problem with personal statement of dispute
Company: Village Capital & Investment LLC
State: AZ

Complaint narrative:
My ex-husband and I had a VA home loan with Village Capital Investments. We were in forbearance because of being laid off due to Covid-19. My ex-husband returned to work on Monday, XX/XX/XXXX and I have relocated as a XXXX, in Arizona to help with the Covid-19 pandemic. My credit has been affected as well as being considered delinquent, late fees and additional interest accrued on the mortgage despite being in forbearance. We should have been advised about how to repay the forbearance monies and were not. We were also denied an extended forbearance, stating they lost our paperwork that was submitted. Assistance to pay back forbearance was also denied. I have worked my XXXX off to stay afloat on the frontline of this covid-19 pandemic and this is the treatment I received, just incredible!! 
I can see the interest still accruing, but the late fees and points lost on my credit score is preventing me from moving on in Arizona. The house finally sold and the loan paid in full but also due to coved-19 my credit is being denied for a house here in Arizona. I am pleading for some assistance, and advise as to what to do next. I want these delinquencies removed from my credit report. 

Thank you for your time, Respectfully begging, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, On XXXX XXXX I withdrew XXXX euros from my Coinbase account to my bank account using my credit card. On XXXX XXXX Coinbase accessed my bank account without authorization and stole those XXXX euros back to I-don't-know-where. The money is neither in my bank account nor my Coinbase account. I have sent like 20 messages to them and have no answer yet. Their phone number allows me only to solve account problems by talking to a machine. No human beings at all. I'm from XXXX and I feel totally XXXX since I'm afraid they have stolen my money, which I will never see again. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The company started charging me with Interest and Fees for payment delayed due to technical and COVID-19 reasons. 

The payment was discussed and was reported with the agreement that if the payment gets delayed and the computer generates automatic fees and interest, it will be rectified and adjusted. 

The fear came true, however, the credit card company started demanding those charges and refuse to adjust it to XXXX. The payment due was paid in full and the company does not have any issues with it. 

Originally I disputed the wrong reporting with the credit bureaus, however, to retaliate the company closed the account discriminately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX XXXX I purchased {$400.00} worth of gift cards from XXXX XXXX company. While recently reviewing my credit card charges, I saw a charge for XXXX XXXX on the same line as the XXXX XXXX charge. When I contacted XXXX XXXX company, there response was that Capital One had made the mistake. 
Ive never flown on XXXX XXXX and do not want them to have my personal information due to the fact that I do not trust the Communists XXXX government. 
I have not received any kind of explanation from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: PA

Complaint narrative:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.

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 2020-12-06 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: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CCS also known as Credit Collection Services is attempting to collection an alleged debt in the amount of : {$1600.00} for their client named : XXXX. 

I have no knowledge as to what this account is about. It is not mine. In addition to that I never received and written notice to include a Notice Of Right To Dispute. 

CCS has place a collection account on my reports and damaged my credit, and I was never allowed to request validation or dispute this alleged debt prior to CCS placing this derogatory remark on my credit report as if it is valid, when in fact it is not. 

Pursuant to the FCRA, FDCPA and the Fair Credit Billing Act I was denied my rights as a consumer and this collection agency is in violation of the Federal Law. 

In addition ... ..the State of North Carolina courts requires reasonable investigation into the facts. CCS should no this. Which is why I also question whether they are permitted to collect in my State

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In approximately XXXX I allowed an acquaintance to cash their check through my bank account. I found out during my Wells Fargo Mortgage reinfi in XX/XX/XXXX that they added her to my account.. On XX/XX/XXXX she wrote a letter stating it was never her account, she never used it and had no access and to delete her name from my bank account.. This document was made part of my refinance documents. Wells Fargo promised in XX/XX/XXXX to remove her from my account but failed to do so. The bank allowed them to withdraw from bank account {$500.00} on XX/XX/XXXX & {$300.00} on XX/XX/XXXX. I found out yesterday XX/XX/XXXX and closed the account and opened a new account without this person name. Only to find out later that evening that they put her name on the new account. She put bank {$700.00} last night because I told her I was going to have her arrested. Then I found out that she did all this over the phone. Plus Wells Fargo told her exactly how much was in my separate savings account, which isn't linked. I am concerned that my money is not safe in this bank.

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 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX, dispute manager at Capital One, was assigned to remove a disputed transaction. She refused to make the funds available the same day on the day my statement cycle was ending. This is unorthodox Capital One procedure. All documentation for the dispute was made available. Please encourage XXXX to find new employment for her insubordination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concentric Receivables Management, Ltd.
State: FL

Complaint narrative:
We reached out to Concentric Receivable in attempt to get the accounts verified and get proof of verification but I have yet to receive any type of response. We sent a letter for verification of debt for two accounts on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: PA

Complaint narrative:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.

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 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have provided this company with all documentation from the police department, etc, showing this depot is not owed and is u collectible but they continue to harass me. Ive received 2 letters in one day!!!

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 2020-12-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/XXXX is not reporting my car loan through Ally financial. I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A.
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-06 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: CA

Complaint narrative:
Equifax is not reporting my car loan through XXXX XXXX I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses 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 2020-12-06 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: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.

Company response to consumer: Closed with explanation