vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I closed my loan with XXXX XXXX back in XX/XX/2021. When we close the monthly payment was {$1500.00} and that was what I was paying for the 1st couples months directly to XXXX. Then this month I received a letter from SPECIALIZED LOAN SERVICING LLC stating my account has been transferred to their company and my new monthly payment is {$1800.00} which is very different to what I just paid last month. So I contacted the new servicer to dispute that new monthly payments as well as asked for clarification. My PI is about {$1400.00} so for some reasons the monthly escrow amount changed during the transfer period. However my insurance and taxes did not change. so I have asked the first agent with who I spoke to help me understand why this big change in payment. She agreed that the numbers did not match and she was going to investigate and call me back, which she never did. On the other hand, I have already made the regular {$1500.00} payment for XXXX directly to the previous servicer and I mentioned that to the lady with who I spoke on the phone when I first called Specialized. She told me not to worry and the previous servicer should be sending the payment to them. However, I have been getting multiples annoying calls from Specialized about my account being late when indeed it is not. This has became harrassing to have agent calling you almost every single day when nobody is actually trying to figure out the real issue. The escrow amount needs to be adjusted to reflect correct numbers. My insurance is about XXXX XXXXmonth and the taxes are around XXXX XXXX/month. I have attached both documents for proof. 

This is not my first issue with this servicer. They have the worst customer service, are horrible at fixing issues or returning emails. I filled a complaint last year for another account that they are also servicing which has never been reported to the credit bureaus ( LOAN # XXXX ). From the company previous response I was told this account was going to be reported on all 3 bureaus but it has now been 2 years I have owned this account and it has still not been reported to any of the bureaus. This is unprofessional and unfair. 

This servicer needs to be investigate as the way their are doing business is unfair and maybe illegal as their are not following the rules.

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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX received packet in Mail from BANK OF AMERICA- XXXX - inside was a VISA TRAVEL REWARD CARD with a limit of {$6000.00} - but what concerns me the most was a CREDIT SCORE LETTER on MYSELF! 

XX/XX/XXXX called the 800 number above no answer found another number : XXXX and spoke to XXXX in " California '' - XXXX declined to give me his name. I explained I did not apply and wanted to know who gave him my info to process my credit report and send me this card - he wanted my social, my cell, etc and I said I want your Supervisor. 

Was transferred to a very rude person named XXXX in " New York ''. When asked for her last name she sighed and said she needed my info I did not need her info. When I refused to speak to her, she said her last name was XXXX and yelled that into phone and overtalked me asking for my social, my cell, etc. 

I have all documents and of course will never use the card. I want to find out who gave my info to the BANK OF AMERICA to run a report and send me their reward card! 

Thank you in advance, XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: GA

Complaint narrative:
On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. XXXX has completed 2 disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. Transunion has not opened a dispute or responded to any request.

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 2021-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood is an outfit that does business on line and if you need assistance it will be by automatically generated website. 
For the past couple of weeks I am trying to get in touch with them to get my money and was not able to. 
The text below is exactly what I sent to Robinhood I don't understand what you mean by issues resolved. 

I have provided you all you asked for and still my account is restricted. 

You have locked my account and my money and there is no real way to get in touch with you. An outfit without a customer support phone number is not what I will consider and I got fooled. 

Instead of sending automated emails, why not solving the issues. 

What else do you need to reactivate. 

All that was asked was provided. Please tell me what is it that you are waiting for to resolve this and a way that I can provide it to you without having to go the account page because it is restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I have sent disputes and debt validation letters to all three credit bureaus. I have also sent letters to Nissan Motor Acceptance in regards to a debt owed with the balance of {$9700.00}. I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. I have the right to dispute inaccuracies on the credit rmy credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: World Acceptance Corporation
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} MID FL XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: MD

Complaint narrative:
In XXXX of 2021, a merchant errouneously overcharaged me {$840.00} for a {$48.00} purchase. 

I noticed the overcharge and contacted the merchant for correction and informed the merchant I could not locate the receipt for the purchase. The merchant requested I return to the store for reversal of the charge. However, I noticed my account with the financial institution had restored the overcharge and I thought the matter was resolved. I did not return to the merchant for further assistance. 

In the pursuing months ( XXXX - XXXX, ) the financial institution required documentation from me for investigative purposes ( which I provided to substantiate my claim ) but the financial institution resolved the matter in favor of the merchant although the merchant never provided merchant/customer receipts proving the purchase amount of {$840.00}. The vendor only provided the XXXX XXXX receipt statements which are not evidence of the merchant 's receipt for my in-store purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have maintained consistent payment activity with this card out of a capital one bank account. For some reason, every few months, capital one credit card puts a XXXX day hold on my card to verify payment goes through, which it always has. I have repeatedly called every few months to get this fixed and the same problem continues after XXXX months. I asked specifically why I am being targeted with this and I keep getting told it is because I make multiple payments on my card. I said it is because I do not want to pay the compounded daily interest so I make multiple payments per week and the rep told me I cant do that so they are now placing my payments on hold. Why should I be paying interest when I ca. make multiple payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$730.00} {$730.00} Payment Info Original balance {$730.00} Balance {$730.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments Affected by natural or declared disaster Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: LEXISNEXIS
State: CA

Complaint narrative:
Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a chapter XXXX, filed in XXXX and voluntarily dismissed in XXXX. This has threatened my ability to find an apartment that will accept me although all of my debts have been paid. I have been trying to find an apartment for my kids and myself and no one will accept me due to the bankruptcy that I entered into voluntarily and dismissed voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Direct Mediation
State: LA

Complaint narrative:
XXXX XXXX has been calling my number repeatedly several times a day.. He also is calling family members and my place of employment. He calls from a number XXXX with a name showing XXXX XXXX on caller ID. He leaves a number XXXX, ext XXXX to call back.. The company is showing First Direct Mediation if you XX/XX/XXXXnumber. 

His message states ... .. " This is XXXX XXXX XXXX I am calling for XXXX XXXX. This is my final attempt to contact you regarding your paperwork that will leave my office at the close of business today. Due to your negligence and responding, you will be reported as non compliant. To stop these proceedings, either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

Another message left on my phone and my sisters voice mail. 
" This is XXXX XXXX. I am calling for XXXX XXXX. My office has been retained to retrieve a statement under a pre-litigation complaint that has been filed by my client file number XXXX. Prior to any further proceedings on the state law, you are permitted only 48 hours to respond with a formal statement. Either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

These people in my opinion are trying to use these scare tactics and it will not work on me.. I won't answer their calls and have blocked them until they call from another spoofed number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late in the month of XXXX to XX/XX/2019. I do not believe I was late on the dates you are reporting. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX and XXXX agencies. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian LLC The month of XXXX and XXXX, Experian continues to report an incorrect address on my report and shows verified by a creditor. Not my accurate information, but info deemed accurate by an agency and not my accurate credentials.

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