vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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:
Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-16 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:
Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2020, my wife and I met with a loan specialist at Fifth Third bank in XXXX XXXX Ohio. The gentleman promised us a new mortgage rate of 3.89 % if we refinanced our loan with him. 

We submitted all information requested including paying our HOA a fee for documents requested. We were told that we had been approved, but the process was delayed by underwriting. For five months we waited.

The branch manager apologized and told us that the rates had actually dropped so we'd be getting a better rate, just to be patient. At the end of XX/XX/2020, the loan specialist called to notify me that we had moved to closing. But when I asked about the lower rate we had been promised. He told me that the rate had actually increased to 4.29 %.

When I questioned this with the branch manager he made multiple excuses and was rude. 

I believe this to be bait and switch tactics and will never consider doing business with Fifth Third in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: IL

Complaint narrative:
Equifax is reporting a fraudulent XXXX business credit card, XXXX XXXX collection account that is result of identity theft, XXXX inquiry and addresses that does not belong to me. This incorrect information is effecting my credit score which could have an impact of my employment ; I am an accountant and it is required of me to maintain a good credit report at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
Dear Mgr ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate ( XXXX # XXXX )? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-16 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:
Dear Mgr ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate ( XXXX # XXXX )? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
RESURGENT/LVNV FUNDING is trying to collect a debt from me in the amount of {$240.00} dated XXXX that i have zero knowledge of from a time were i had no credit and filled no applications out i did not even begin working on my credit until XXXX of XXXX and have no idea what this is for nor can they tell me i have never made purchases with finger hut and they will not produce an invoice or any other proof and just keep reaffirming the debt i have asked for documentation and am being ignored by them and i want them off my credit history it is a debt i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: MA

Complaint narrative:
Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I purchased 2 puppies for {$1000.00} using Zelle through XXXX  XXXX XXXX. I thought it would be okay to submit payment through Zelle because of how they allow transactions with Small Businesses as there website states. I was told by XXXX  XXXX XXXX that I may not be able to get my money back because Zelle doesn't offer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My complaint is with JP Morgan Chase Credit Card Services.

I called them today regarding an issue with my credit card. At the start of the discussion I was informed that the call would be recorded by Chase. I informed them that I would also be recording the call.

The individual I spoke with insisted that I stop recording as they DO NOT ALLOW THEIR CUSTOMERS TO RECORD CALLS, yet they insist that they must be allowed to record calls or they will disconnect the call.

Why are companies allowed to impose unfair and heavy-handed policies against me while they restrict my rights to do the same thing that they are doing? This is a criminal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sent in a loan payoff in XX/XX/2020. XXXX confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that XXXX reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? XXXX failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that XXXX corrected it. I have excellent credit - over 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 explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/20, my bank statement indicated that there was a withdrawal of {$10000.00} from my savings account at Key Bank XXXX XXXX, NY by unknown person. This was not authorized by me or my joint account holder. Affidavit was submitted per bank 's instruction on XX/XX/20 stating that this was an unauthorized, fraudulent, and illegal withdrawal committed by unknown person. Police report was filed on XX/XX/20. To this date no funds have been returned to me and no indication of when I will receive my funds back. This is an outrageously long time for me to wait for my money to be returned. I am the victim of a crime and wish for a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/2020, I received the report from XXXX after the investigation in my credit report by Comenity Capital XXXX XXXX during the pandemic, XX/XX/2020, under the care act, that resulted in my favor, however they did not removed that from my credit report. 
I already have an ongoing dispute and investigation with this company though the consumers financial protection # XXXX for the numerous attempts of chartering me late fees and reporting late payments having no problem to get the monthly payment though my bank account that is set up, working and active with them witch have being used with no problem several times. 
I have continuous and several communications with them though phone and secured messaging, witch I documented everything sine they chose to deceit by stating that I didn't do certain thing conduct them self in an absolute unprofessional manner leaving me as a consumer with a sense of possibly not defend and assert my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I have bought and sold crypto on XXXX for over a year, not large amounts most under 3k at any time. I have never had an issues withdrawing from my account. I sold bitcoin  two days ago and can not get m y money back to my banking account. I have been verified the whole time my account has been open and never had a issue. I have emailed and can not get a clear answer or one that makes sense. I would like to withdraw my money to may bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: FL

Complaint narrative:
I contacted U.S. Bank to payoff my vehicle close to lease end and I submitted all requested documentation on XX/XX/2020 ( documents were overnighted to the Bank ). After multiple calls with the Bank, they stated the account was paid-off on XX/XX/2020 and the title would take about 5 business days to be released and sent to me. Today XX/XX/2020 they are changing the story telling me the title will take another 10-15 days to be processed and sent to me. I clearly stated I was in a time crunch and provided a cashiers check so that the process would move along faster. Additionally, I requested an overnight of the title with my own XXXX  account and none of this helped. 

Every single time I contact the Bank, all representatives have different answers. Completely unacceptable.

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MN

Complaint narrative:
I found this negative account on my credit report that I had no recollection on. I found out that this account was opened under my name when I was a minor. I contacted US Bank to dispute this and have them remove the account from my credit report. They haven't looked into my dispute all they responded was they don't know what I'm disputing.

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 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have Sequium them that I do not owe this debt and to not call me any more and they continue to call me several times throughout the day. 

I block the number and they continue to call me from different numbers. 

I want the harassment to cease

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Nelnet, Inc.
State: NE

Complaint narrative:
My credit score has been consistently fluctuating by large numbers ( up to 32 points at a time ) since XXXX of XXXX. My XXXX report states that my Federal Student Loan balance ( Serviced by Nelnet Lns ) has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. XXXX has decreased my score by 16 - 32 points everytime Nelnet has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when Nelnet reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both XXXX  and Nelnet. 

XXXX - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

Nelnet - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: MN

Complaint narrative:
On or around XX/XX/2020 I started a loan refinance application with XXXX Mortgage XXXX XXXX XXXX Interfirst Mortgage Company. While still in the application process, on XX/XX/2020, Interfirst Mortgage Company contacted my Home Insurance company, XXXX, and changed my account Mortgagee from my actual current loan lender to Interfirst Mortgage Company. 
At no time in those twelve days were we anywhere close to closing our refinance or even finishing the application process. By doing this Interfirst Mortgage Company created a risk of having my Home Insurance expire and being in violation of the terms of my open loan with my actual current lender as the bill for my XX/XX/2020 renewal would have been sent to the wrong lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/XXXX there were 2 payments of {$310.00} taking out of my checking account from Hyundai Motor finance. On XX/XX/XXXX I called and told them that was a mistake, only one payment was supposed to be taken out and I would like the other one refunded. On XX/XX/XXXX the refund processed and I was told it would take 16 days to get it by check. After waiting a Month, I still never received the check. I called numerous times and everyone in the department kept giving me the run around. One agent told me the checked was mailed out, and then another one told me the check was still being worked on my their processing department. XXXX XXXX I told Hyundai Motor Finance to just apply that refund to my XXXX balance so the month of XXXX will be paid for. Again I was told okay, they cancelled the refund and emailed the processing department so they can apply it to XXXX. As of XX/XX/2020 they still havent applied the refund to my XXXX statement! Theyre trying to tell me I owe them {$170.00} or around that amount. Also no one still can give me an answer on why its taken 2 months and still nothing has been done.

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 2020-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I forwarded a tax bill to Lakeview loan servicing, XXXX XXXX XXXXXXXX XXXX XXXX  Va. XXXX for this to be paid out of escrow per instructions at closing. On XX/XX/XXXX over ONE year later I received the same tax bill again, as it remained unpaid. During this year I never received any communication from Lakeview. On XX/XX/XXXX I sent the bill again, this time via certified/signature required. It arrived and the signature on this receipt is COVID-19, date of delivery is XXXX XXXX, XXXX. Apparently they either don't want to identify who picks up mail and signs, or they think the virus is a joke. No professionalism here. It has been 14 days since they signed, I have not received any correspondence once again. I think this extremely incompetent, and I am doubtful that I will receive a reply. Because they did not respond the tax bill has added fees. They have changed my mortgage payment already on two occasions, so if necessary to pay the tax bill I am sure that would not be a problem, as I indicated in my letter to them. I have copies of all documents mentioned. They need to pay the bill!!!

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