vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX 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 explanation
Consumer complaint received 2021-02-08 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: ND

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank without notice, any court order or other legal means capriciously seized all my funds in a checking account I've had for decades. When I attempted to transfer my funds to another bank, Huntington Bank blocked the transfer. I'm a permanently XXXX former state XXXX and rely upon very limited SSI. Huntington Bank seized stimulus money and could provide no explanation. I can not pay my bills and insurance and am at financial risk of peril and/or becoming homeless. The lady from the Huntington Bank Risk Department could not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TX

Complaint narrative:
XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 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 2021-02-08 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: TX

Complaint narrative:
XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all XXXX bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
We just refinanced with amerisave. They lost my first payment. I had to keep calling to see if they could find it, they never did. Finally on the last day before the payment would be late, I had to pay over the phone. Then I had to go to my bank and cancel the check. For my second payment I didnt get the bill until the day before it was due. I sent the check in right away and they still havent cashed it yet. I have made numerous calls to the company without a reasonable solution. They asked that I submit payments online, but when I tried to sign up for the online portal- the program could not locate my account information. The person whom I called about it said they would fix it and get back to me but no one ever did. I am very unhappy with this company and am nervous about my payments not being processed accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit.

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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have been damaged and I don't know what else to do to get a fair solution to this issue. I want to complain about The Best Service Company 's actions, which are unfair and negligent. They are violating the CCRA. My credit score has dropped month by month and now I am not able to obtain a mortgage. 

The Best Service Company is re-aging the account and this is causing me a huge problem. Also, I tried to solve this issue by phone and they haven't even mark the account as " under investigation '' or " disputed ''. 

The account involved is the following : The best Service Company, account # XXXX, original amount : {$480.00}, original creditor : XXXX XXXX XXXX XXXX. 

I am asking to get the item removed from all credit reports, as a compensation for all I've been through and all the damages that I have suffered. I am not asking for money, I am not asking for anything but the removal of this item. I don't want to have any contact with this company at all. 

Please send the attachment to the company. 
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 2021-02-08 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: ND

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My home owners insurance was not paid on time and my policy was cancelled. I contacted Mr cooper my mortgage lender and they informed me that the payment had been sent on XX/XX/2021 for a due date of XX/XX/2021. My insurance carrier stated they had not received payment and as of XX/XX/2021 they had not received any payment. I decided to pay them this morning XX/XX/2021 directly in the amount of XXXX to have my insurance reinstated. My lender is telling me that i will be reimbursed eventually, I should not have had to pay again for something i had already paid into escrow to take care of, and hope that i get reimbursed some day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: AL

Complaint narrative:
I pulled my Equifax report and there are inquiries on my report that I did not authorize. I request that the follow inquiries be removed promptly to reflect correct reporting. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
We had two vehicles with Navy Federal. My ex and I began going through a divorce, which directly stated the separation of our vehicles. I was advised on several calls, even with sending in a copy of the divorce decree that I could sell my vehicle and they would pay what is was worth. 

I was advised on multiple occasions, even 3-waying my ex to state the terms that once the vehicle was sold and paid off by Navy Federal the remainder of the loan would NOT report any longer to my credit and that I could pay the balance about {$5000.00} for transfer fees and cancelling a loan by calling or going into a location because it became a loan without collateral. My ex agreed after about 6 phone calls with reps and supervisors stating the same thing and we sold the vehicle back to the dealership we purchased it from. This is the ONLY reason he agreed and signed. 

We told Navy Federal up front we would allow it to get repossessed to separate it and let it fall off because we no longer would have the car to continue making car payments on and they gave us this option. They did the exact opposite, lying over months to us about what would happen once we gave it back. We no longer have the vehicle and a new loan hit our credit saying a loan with no collateral and the balance is {$26000.00}. I am now a single mom of three with no vehicle and they are telling us when we called to see what happened that I still had to make the monthly payments ( the same as when I had the car ) until the loan is paid off. 

He immediately asked them to give me the care back and they refused saying they already paid the dealership. My heart is broken and now I have two car payments one for a vehicle that no longer exists and then for my ex because they did not take me off of his car once I sold mine. It turned into he has to refinance and qualify on his own and we asked that specifically before all of this mess. Now I am out of a vehicle and can not qualify for another due to credit and all the late payments they hit me with during this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First I do believe that all three companies do not make it easily accessible to obtain the free credit report, however, Transunion just makes it so that you have to buy their {$24.00} monthly monitoring in order to see your information. I tried multiple phone numbers and a handful of people ( all of them with conflicting information and it was very difficult to understand them clearly what they were asking me to do ). 

The XXXX  site when getting to the Transunion report just fails to authenticate ( does not ask the questions related to my credit history ). The other two sites do ask you to identify yourself. Transunion asks for e-mail and phone and then fails to authenticate. I also went to their XXXX for which I had a free account created years back. It allows me to log in and then I fail to authenticate for no reason. The only way to get my information online is with a credit card and {$24.00} monthly charge. 

The representatives have asked to e-mail to XXXX a copy of my driver 's license and/or passport as well as multiple documents such as credit card statements, etc. to what appears will not be a very secure address. This whole process is questionable and Transunion is not abiding by the regulations to allow me access to the credit information they hold for me.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report I noticed that your agency have an inquiry on there from XXXX XXXX XXXX on XX/XX/2019. This is an unauthorized inquiry and I did not authorize or gave consent to this company. I do not have an account with XXXX XXXX XXXX neither have I signed or have any recollection of signing any documents with this company. This need to be investigated to show how this company got accessed to my file without y knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pavilion Payments US BuyerCo, LLC
State: MI

Complaint narrative:
I entered my bank account information at XXXX  and was approved for funds that were deposited into my Michigan lottery account to play with. 2 months later I am getting harassed by Global Payment Check Services for {$120.00} stating that it did not go through and I " was given the funds in advance and I still owe this ''. I told them they should not have approved this transaction if they didn't have the funds! I don't feel this is my fault and I was willing to work with them and pay half but they stated they could " do 70 % off but that's it '' ( making the total around {$85.00} ) I agreed to this and was transferred to a supervisor to complete the transaction. When I spoke with a supervisor he stated " no they will not do anything off or work with me and they do not want half they want {$120.00} or nothing ''. So instead of working with me and taking my money ( {$85.00} ), agreeing to take half and write the rest off due to their mistake, they refused my money and said all or nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and unemployment. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. Now I have XXXX XXXX contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX owner and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has been working 10-15+ hour shifts, driving over an hour to work. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We refinanced with Citizens Bank our existing equity loan with XXXX to have it paid off on XX/XX/XXXX. This payoff to our existing account with XXXX was to be be paid on XX/XX/XXXX as shown on their loan documents ( copy attached ). 
To date we have contacted Citizens more than 10 times beginning XX/XX/XXXX to no avail that the loan is still outstanding. Citizens has provided nothing but lip service from our inquiries with no resolution that the loan is paid off. They have refused to contact XXXX, even giving written authority, to attempt to remedy the issue. 
Currently I still have the loan with XXXX which I must pay while waiting for Citizens to remedy the issue. Meanwhile Citizens really has not shown any effort to remedy their mistake. 
We respectfully request Citizens be sanctioned and penalized for their their negligence in failing to payoff our loan timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: KY

Complaint narrative:
Experian never investigated my dispute against XXXX XXXX XXXX. My complaint is that the collection amount reported to them is not mine, because it isnt. Experian never investigated as XXXX is unable to confirm anyone from Experian ever reached out for any confirmation or investigation whatsoever. What I did experience throughout the process was a constant bombardment of credit offers and sales promotions. Experian advertised a service they didnt attempt to provide.

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 2021-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have tried unsuccessfully since XXXX of XXXX to get Specialized Loan Servicing to close a HELOC which was never used / never had a balance. I have called more than 10 times, followed their online instructions as well as those received from their customer service reps, sent emails to various email boxes provided by them and even emailed their CEO, COO and Head of Customer Service - all without resolution. 

My first email requesting closure was sent to XXXX on XX/XX/XXXX and contained all required info ( payoff statement showing XXXX balance generated from their website, my driver 's license, etc. ) Upon inquiring why the account had not yet been closed on XX/XX/XXXX, I was told the email must have been lost and could I resend. I did so on that date but was instructed to send it to XXXX. I was assured the account would be closed by a supervisor by end of business. 

Later it was clear based on my online inquiry that the account was still open. I spoke with XXXX XXXX rep ID XXXX ) on a date I didn't record and XXXX on XX/XX/XXXX - both asked me to repeat the same process and insisted it would work this time. It did not. 

On XX/XX/XXXX, Specialized Loan Servicing sent a letter saying that I needed to provide homeowner 's policy information or they would force place insurance on my account - clearly it still has not yet been closed. I spoke with XXXX ( rep XXXX ) on XX/XX/XXXX at XXXX who again asked me to repeat the same futile process. I requested a manager and was told one would call within 24 hours - I have received no such call. 

Also on XX/XX/XXXX, I emailed all prior correspondence to the CEO, COO and Head of Customer Service at SLS. I have received no response from them. 

I am now at my wit 's end as to how to close this account - Please help me!!!

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