vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX  quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX  could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by XXXX  and experian immediately.

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 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Received letter from XXXX  Civil Court of XXXX XXXX XXXXXXXX, XXXX XXXX postmarked XX/XX/2020 notifying me that Midland Credit Management INC was suing me Index No XXXX without notification from the collection agency or without any attempts to be served. 

Amount due according to the court is {$1400.00}. 

I have also sent a letter outlining that I am disputing the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
The loan servicer has failed to pay out of the escrow account money due for annual water and sewage tax. As requested we have scanned and e-mail the bill to the loan servicer on XX/XX/2020. They have failed to make the payment, we have called at least three times to try and get action taken without success. We are now late for this payment. The Company is LakeView Loan Servicing , LLC ( XXXX ) the loan account number is XXXX. The trouble ticket number is 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 2020-11-12 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: CA

Complaint narrative:
An annual capital one member fee was placed on my account on XX/XX/XXXX. I called and spoke to a representative in the week of XX/XX/XXXX and was informed that I could cancel anytime within the next 45 days and so didn't need to cancel right away. I then called again to cancel the card and refund the member fee on XX/XX/20 but was notified that it was over 60 days from XX/XX/XXXX and so the fee would not be refunded back to me. This was very misleading information and I would like to have the fee of {$95.00} refunded back to me and my account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau XXXX XXXX, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I has furloughed due to Covid19 and I have placed a called to Capital One to notify I will be making my payment late due to the loss of income and asked not to report late to credit bureau back in XX/XX/XXXX my work XXXX  shut down. The rep told me she would notify the acct and it would not be reported on credit report. I have made a payment in XX/XX/XXXX. I have received notification the late was reported to credit bureau. According to the CARES ACT negative report are not to be reported to credit bureau. I am at the end of refinancing my home and was notified of the late being reported and this halted the refinance process. I understand Capital One did not follow the CARES ACT that is in place due to COVID19 after speaking with the rep from Capital One I was informed this would not happen due to making the late payment. I am back working fulltime and back on track. I would like to have the 30 day late revised and reported to credit bureaus removed. XX/XX/XXXX spoke with XXXX ID # XXXX have informed me see the payment made in XXXX and the late should not have been reported since I have talked to someone and informed them I was effective due to COVID19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
There saying I owe XXXX to the XXXX XXXX Ive always paid I also have a XXXX  one credit card for any balance I called the XXXX XXXX  they said they didnt have any record of me being behind the two credit investigated and removed it from my report but XXXX refused

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America allowed a credit card payment I made to get reversed fraudulently. I did not make this request, and neither did any authorized users on the account, so this is due to fraud. Money from the reversed payment is now missing and Bank of America refuses to tell me where the money has gone or issue a refund to my account. I have been calling them and complaining for several days with seemingly little progress. I need access to this $ XXXX which was disappeared from my account due to negligence at the bank immediately not in 7+ business days as they have been suggesting. Anytime I call the bank I get transferred again and again until they eventually hang up.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a first mortgage with Fifth Third Bank, XXXX, Ohio. I am in a flood plain and purchased flood insurance in an amount exceeding the bank 's interest in my property. Fifth third has chosen to force place additional flood insurance on my property to cover a second mortgage line of credit that does not exist ; in effect insuring a phantom bank product. I have informed Fifth Third at their XXXX XXXX  branch both verbally and in writing of this error in both XXXX and XX/XX/2020 ; and Fifth Third 's Insurance department in XXXX, Ohio also in XXXX and XX/XX/2020. Correspondence from Fifth Third 's insurance dept are not signed personally ; only signed " Fifth Third Bank Insurance Department ''. Fifth Third Bank 's correspondence is signed " XXXX XXXX, XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I filed a claim with my homeowners insurance for damage that was sustained during a storm back in XXXX. The claim was approved and I was sent a check to start having the damage fixed. I come to find out that supposedly my claim is a tracked claim and I am being forced to jump through hoops to get the check endorsed by the mortgage company so that I can have the damage fixed. This company is making it very difficult and now my home has sustained more damage due to their issues. I have XXXX and do not handle situations like this well. They are also forcing me to pay money to have the check overnighted back to me to speed up the process even though they are the ones forcing me to do this. Times are tough enough and having to pay {$45.00} to have this matter expedited is sickening. I am a veteran and they are making it extremely difficult for me just to get my home repaired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
syncrony bank closed my card without any apparent reason. I have paid any balances diligently and well before any due dates. They are now not paying out the rewards i had earned on the card.

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 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wanted to add my XXXX to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's 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 2020-11-12 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: FL

Complaint narrative:
Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Nothing reported after XX/XX/2020. I've made a purchase and payment. Accurate information should be maintained. Purchase was made as proof that you threatened to decrease my credit limit unless I bought something. I did. You can not deny extortion. Documents shown to law enforcement and credit reporting agencies.

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 2020-11-12 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: MI

Complaint narrative:
My account with XXXX XXXX is OPEN! I've filed multiple disputes and uploaded proof. I received a credit line increase on a closed account? Instead of questioning them, as you should, you continue to report the account closed. Here 's a thought ... actually look at proof, and, hold the reporting entity to some regulation, such as, just a thought, that they need to prove what they report, and, show proof if different from what the consumer supplies.

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 2020-11-12 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: IL

Complaint narrative:
I disputed an issue with improper reporting of a credit card account with credit first na account number XXXX that was included in bankruptcy and discharged XX/XX/2018. This account is showing as a recent missed payment and hurt my credit scores now across the board. It should not be a recent missed payment or even showing late now if it was discharged. Experian is not fixing the issue and when i try to dispute it again all i get is you have already disputed this. The dispute should have been done right from them in the first place then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Basic lee I had some one who had hacked into my navy federal credit Union on line access or profile multiple times. 

And I have tried the keep the person out and navy federal credit union had froze my on line access then said that it was beyond there risk acceptance. 

But I dont think that it was fair to me because they have issues keeping people out of there systems and keeping them secure. 

Then some one tried to take out a personal experience loan in my name. 

Then there was multiple devices on my account from the person who tried to access my accounts from navy federal credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im in the process of trying to get a house. I noticed on my identityiq account that some information was different on my Equifax report then XXXX  & XXXX  report. After a failed attempt of not being able to log into my account I called Equifax to report it.The security questions the representative asked me I couldnt answer the questions because I kept explaining that I have no knowledge of those accounts so someone must have stolen my identity. The rep said because I couldnt answer the questions he couldnt grant me access. This situation went on for a month. Last month I think it was XX/XX/XXXX, spoke with another representative. This representative did the same thing with the security questions Im explaining the same thing to her. She stated that I needed to send a copy of a form of ID, social security number, & a letter stating why I was sending the papers. I faxed the copies like she said. A few days later I still couldnt get into my account. I kept being told the same thing over and over. I called this morning explained to a representative name XXXX the situation. He then asked me two security questions. The first question was about me having a credit card and the credit limit. I explained to him the credit card I had years ago. He asked for the name of card so Im trying to scroll up phone to find it. So I told him the name. Then he became rude and started raising his voice saying NO WHAT IS THE ORIGINAL CREDITOR NAME? I said well you didnt say whats the original creditor name. I gave him the original creditor name. He then asked for my place of employment. I gave the name. He then said Ok Ms.unfortunately I will not be able to grant you access to the account because the answer for your job isnt up here. He then stated that I would to mail in a letter to request a copy of my credit report. I said sir I just told you at the beginning of the conversation that I had already done that. He looked it up and said O yea you sent it in but it was shredded because it wasnt legible. I stated that Ive feel like Im being sent all over the world just to get access to my account. I know that that their making sure they have the right person but like I kept explaining to them that someone has probably have stolen my identity because I have absolutely no knowledge of those questions that they were asking me. Everyone expect the representative XXXX was nice, but he was rude. This is very aggravating because I need access to my account because I am in the process of cleaning my credit and I need to know if someone has stolen my identity. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: NV

Complaint narrative:
Checked my credit report and noticed fraudulent activity. Contacted collector and informed them that this is not mine and I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not able to see my Equifax credit report. I have called twice and they said there were no issues. I requested to remove any fraud alerts and it still isn't done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I requested two months of COVID relief plan with Toyota financial Services ( TFS ) in the month of XX/XX/2020. I mailed the COVID-19 releif contract plus a payment of {$96.00}. TFS declined that they did not recieve my mail and check, but I confirmed with the post office it was delivered. Then I mailed the revised contract and payment in XXXX, but was returned to me for unkown reasons. I contacted the company three times using online form as well as on the phone. Finally, I was able to pay the amount online and now it is corrected online. However, TFS reported to all three credit bureaus that the account is deliquent. I submitting this complaint for them to fix this issue right away as I am in the process of applying the mortgage loan. This is error on part of TFS not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid this loan with self off the way they reported the loan should had been paid in full instead they reported closed account. This caused my score to plummet 44 points.

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