vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: IN

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: IN

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-12-15 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: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I opened a checking and savings account with First Citizens Bank, and when I opened the accounts, there was a promotional offer offering a bonus if I fulfilled certain requirements. I opened the account on XX/XX/XXXX. 

Looking back on my notes, here are the requirements : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account # 1 - I did 11 debit card transactions within 90 days of account opening # 2 - I did enroll in eStatements # 3 - I did open a new savings account. 

My notes say that the bank will provide the {$300.00} bonus within 120 days of meeting the requirements. The requirements were fulfilled on XX/XX/XXXX, so 120 days later should be around XX/XX/XXXX give or take. 

I sent a message thru the online banking portal on XX/XX/XXXX since I still have not received the sign up bonus. 

" Hello, I hope whoever is reading this is doing well and enjoys their XXXX. I'm messaging you regarding my checking account. When I signed up, there was a bonus offer if I signed up for {$300.00}. I've had my account for a few months now ( and I like it, I'm also using the savings account which comes straight from my paycheck ), but I don't think I ever got the sign up bonus. Can you look into that? Thank you! '' I received a response later that day on XX/XX/XXXX stating : " Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. 

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. 

Sincerely, NAME Customer Support Specialist '' Which was very confusing as I've met the requirements on XX/XX/XXXX, 120 days later should be around XX/XX/XXXX, and I messaged in on XX/XX/XXXX, so they definitely should have had enough time to review my account, so I called into their phone line on XX/XX/XXXX. 

After reviewing my request, the customer service representative said I did not qualify for the bonus. 

However, based on the notes I have from when I originally signed up for the bonus back in XXXX, it appears that I have indeed met all the requirements and I should be eligible for the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed XXXX XXXX XXXX Acct # XXXX on XX/XX/2020by sending them a Debt Validation letter. They never responded. On XXXX I also sent Experian an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with Experian but not with me. XXXX did not post on my credit report that I had disputed the account. Experian should not have been able to verify an account that I was disputing with the creditor. I sent another letter to Experian on XXXX asking for verification of account and said XXXX had removed the account. I sent a letter on XXXX to Experian stating that the Date of Last active with Experian and XXXX XXXX were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. OnXX/XX/2020 I sent Experian a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and Experian were posting. On XXXX I filed a complaint against Experian with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted Experian that I am disputing them. my Credit report does not reflect it either. Also Experian contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to Experian and Experian posted onXX/XX/2020that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX XXXX about my dispute letters at all.

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 2020-12-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
Numerous calls about the same subject matter. 

Company changed the payment amount.

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 2020-12-15 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: IL

Complaint narrative:
Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

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 2020-12-15 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: IL

Complaint narrative:
Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The XXXX XXXX  Account is Inaccurate and Fraudulent Info reporting on my credit profile The dates of reporting are inaccurate and its been over 7 years on my credit report XXXX remove it from my credit report and it should be remove from the other credit report companies TransUnion and 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 2020-12-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: ND

Complaint narrative:
Numerous calls about the same subject matter. 

Company changed the payment amount.

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 2020-12-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my 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 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX, in a social group I am apart of I made a purchase for 2 pairs of shoes. I sent the payment of {$550.00} through XXXX thinking I would have purchase protection like XXXX. 
When I sent money I was promised the tracking number the same day but did not receive it. At that point I called my bank Navy Federal and XXXX to cancel the transaction because it was not complete and still processing and I could not and the bank nor XXXX had a clue why it was not giving me the cancel option. 
Since the same recipient has messaged my personal phone as well as contacted me again on the social group stating how he/she was not a scammer and would send me either the money or shoes. He/she again disappeared and has not contacted me. My bank was not willing to help me file a dispute although telling me when I first tried to cancel the transaction that I could file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-12-15 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Transunion disputing 2 separate accounts listed with XXXX XXXX requesting verification. On XX/XX/XXXX, Transunion only responded with " verified as accurate '' which did not provide me verification as I had previously requested. On XX/XX/XXXX, I sent a 2nd letter requesting Transunion to provide me with the procedure and documents used to verify this account was accurate as listed. Transunion did not respond. ON XX/XX/XXXX, I sent another request and listed the reasons why these 2 accounts were not accurate and sent a copy of where XXXX had deleted both accounts because they were unable to verify accurate results and once again, Transunion never responded. On XX/XX/XXXX, I sent another letter requesting their method of verification, and they responded on XX/XX/XXXX just with verification. Transunion never provided me with documents or any information as I requested in how they validated this account was reporting accurately. Transunion failed to properly investigate the accuracy of these 2 accounts - If they had done so properly as they stated, they would have found the same results as XXXX  and been unable to verify thus removing both accounts from my files.

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 2020-12-15 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: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
An electronic debit transaction payment was made to American Pacific Mortgage for the amount of {$1400.00} on XX/XX/20 for the first payment of loan # XXXX and the wrong account number was entered but payment was processed by this mortgage company and I had to make another payment that was due before it was considered to be a late payment. I made the second payment to APM on XX/XX/20 and the mortgage company has not refunded my overpayment. They continue to give excuses and have not sent me my money. The Mortgage APM XXXX XXXX XXXX has been avoiding my e-mail contacts and have deleted my messages.

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