vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
I had an existing loan from XXXX for my primary residence. It was paid on time but after covid hit and my income dropped drastically i had to refinance for a lower monthly payment. A company called Amerisave contacted me and I liked there options which would save me over XXXX XXXX a month pluss lower my interest. I applied and was approved for a loan to refi this home. We closed on this loan on XX/XX/XXXX with the Notary coming to my house and completing the closing documents for the loan. My XXXX and XXXX Payments were included in the pay off. My insurance was changed from XXXX to Amerisave and my payment book was gave to me with my first payment becoming due in XX/XX/XXXX. Loan documents and payment coupons showed me as the Sole borrower on each form. In XX/XX/XXXX I received a call from XXXX about my late payment and my insurance coverage. I explained I had refinance and pay off would be there in a few days. In XXXX my credit report showed 2 missed payments so I called XXXX they advised funding had not yet been received. I called and called Amerisave each time I got put in a Que then transferred to VM. After a week of calling I received a missed call and VM asking me to contact Amerisave regarding my new loan. I called the direct line i was provided and again went to Que and VM. On XX/XX/XXXX I received an email stating my loan was denied even though we had already closed. Amerisave has caused damage to my credit score, placed me in a major financial hardship with three House payments of over XXXX dollars each plus late fees ( XXXX ) being due on XX/XX/XXXX. I am at a point of not sure I can recover from this and could lose my home i love just because I trusted in my contract of closure from amerisave. I feel I have been a victim of a scam with no one to contact or talk to about this loan

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed these accounts on my credit report and asked for proof of validation or remove the account. They never provided proof of validation and still have the account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: HI

Complaint narrative:
XXXX I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : Lvnv Funding LLc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: U.S. BANCORP
State: CA

Complaint narrative:
My US Bank Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: SC

Complaint narrative:
I've sent multiple letters to TransUnion asking for an investigation and a copy of my updated credit report. The attached letter dated XX/XX/2020 was sent multiple times because I didn't send certified and could not track it. I didn't receive a response to this letter. I sent the exact same letter again and this one was delivered on XX/XX/2020. I was able to track it since I sent it certified. I have yet to receive an updated credit report or proper investigation. It has been way more than 30 days. I even gave them extra time due to COVID-19.

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 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 i made a payment of XXXX $ to XXXX to order a card. my capitalone credit card account charged a XXXX $ cash advance fee. i called and explained that my payment is not a transfer, which according to capitalone a cash advance. i explained it a payment not a transfer. after all who transfers a XXXX . capitalone claims that XXXX billed the XXXX $ as transfer. i contacted XXXX and they explained that capitalone choose to process the payment as a transfer. here is there respone " We use two merchant codes for payments and when we pass it along to your bank or credit card issuer, they choose how to process it. 

If it happens again, you can reach out to your bank and explain this and provide the two merchant codes and ask why they charged it as cash advance since it's not cash related. '' i contacted capitalone again but their customer service trained dogs refused to reverse charges. i have incured financial damages and had my XX/XX/XXXX account restricted because of capitalone dirty practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
My XXXX XXXX Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX and XXXX  and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
My XXXX XXXX Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
My XXXX XXXX Credit Card says it was late XX/XX/2019 both on Experian and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
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 {$13000.00} -This is not my account. 

2XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: UT

Complaint narrative:
In XXXX of 2020 I purchased credit repair services from XXXX XXXX of ( Expert Credit Sweeps ) in the amount of {$1600.00} and I never received that services. She lied for 3 months saying that she was provide the service that I paid for but she never was working on it.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-11 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: U.S. BANCORP
State: CA

Complaint narrative:
My US Bank Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX  and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
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 {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2021-01-11 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: NY

Complaint narrative:
I sent out two letters to these credit bureaus and I have not received a response this has been since XXXX!! This is ridiculous as consumer I have the rights to have accounts verified on my credit report especially with how easy it is for people to get a hold of personal information. I sent the below paragraph and letters to the credit bureaus and still no response. 

I am distressed that you have included the information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2021-01-11 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: NY

Complaint narrative:
I sent out two letters to these credit bureaus and I have not received a response this has been since XXXX!! This is ridiculous as consumer I have the rights to have accounts verified on my credit report especially with how easy it is for people to get a hold of personal information. I sent the below paragraph and letters to the credit bureaus and still no response. 

I am distressed that you have included the information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting my XXXX XXXX late XX/XX/XXXX both in XXXX  and XXXX. It shows late XX/XX/XXXX in Equifax. 

This was actually an error by a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in XXXX  and Equifax. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in Experian and XXXX. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.

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 2021-01-11 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: VA

Complaint narrative:
I disputed these accounts on my credit report and asked for proof of validation or remove the account. They never provided proof of validation and still have the account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a NFCU representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a XXXX representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
XXXX XXXX XXXX XXXX is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a XXXX representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.

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 2021-01-11 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:
There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX in my life and I have always lived in California. This person was XXXX in Maryland.

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