vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: TN

Complaint narrative:
In XXXX of XXXX I sent XXXX, XXXX, EX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, XXXX, EX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

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 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I bought my home on XX/XX/XXXX. NewRez/Shellpoint started the mortgage after re-finance on XX/XX/XXXX. I have been paying mortgage insurance ( PMI ) of {$140.00} per month. I requested the bank for PMI removal and the bank asked me to sign a letter authorizing an appraisal, which we sent them on XX/XX/XXXX. The appraisal amount came out to be {$860000.00} on XX/XX/XXXX. Since the loan balance was XXXX, the LTV is <75 %. But the bank denied our PMI request stating a set of generic reasons. We have been following up with the bank for 1.5 months to find out the reason for denial and remove the PMI. After 10 follow-up phone calls and 2 dispute requests, I got the reason from the bank that the PMI removal request was denied because " no substantial improvements were made to the home ''. They also state that the PMI would not be removed until XX/XX/XXXX unless substantial improvements are made to the home. I don't find this clause anywhere in any agreement documents, nor did I find anything from online resources. Also, substantial improvements sound very subjective and not well-defined. Also, I found from the documents that the bank should automatically remove the PMI when the LTV reaches below 78 %. Attaching " denial letter '' and " dispute response letter '' as provided by the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX ( lab work ) is trying to collect money i do not owe. {$380.00} is what a collection co. wants. Our co/pay is only {$10.00} dollars. XXXX XXXX  hmo our insurance filed a grievance in XX/XX/XXXX, they agreed with us and Provider Relations Department sent the report to XXXX to cease billing my wife. They did not agree with the grievance report. They have placed this with a credit collection. Yet XXXX is still sending us a bill. On XX/XX/XXXX XXXX  of XXXX NJ. closed this case because XXXX did not receive a response from business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: MD

Complaint narrative:
On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, TransUnion and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding 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
Consumer complaint received 2021-05-21 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: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In the past year I have submitted 3 disputes to Capital One. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and capital one denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of Identity theft and a result of that several account has been reported in my credit report that are fraudulent and not mine i have send THESE COMPANY all documentation of the illegality of these accounXXXX XXXX XXXX ... 
BEST BUY/CBNA XXXX 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX ... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX ... 
XXXX  XXXX XXXX XXXX ... 
XXXX XXXX XXXX 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 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I received a confirmation that I bought {>= $1,000,000} worth of Bitcoin. Apparently I messed up with the verification process and they locked my account. I found a guy named XXXX XXXX that said he could help me get back into my account and transfer my Bitcoin to my XXXX wallet. It didn't feel right so I cancelled the transfer. This was done XX/XX/2021 at XXXX PDT. Since then after numerous emails promising to unlock my account I am still locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for almost two months ago for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I do online jobs for me to earn a living especially during this times of pandemic. Ive lost my job since last year due to retrenchment. This is the least way I could do to earn a living to fed my family. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We having trying to get a payoff statement since XX/XX/XXXX to close on our refinance. Our broker at XXXX XXXX in XXXX, CO began the process, all approved and under written, no appraisal needed, we are now just waiting for the payoff. We personally requested after XXXX XXXX, our broker contacted us stating he was not having any resposne from XXXX XXXX XXXX. We requested again, on Friday XX/XX/XXXX for the payoff to be sent via email ( stated would take 3-5 business days XXXX, again requested via phone with an agent to be faxed on Monday XXXX, XXXX. called today and they stated there was an issue with the payoff balance that it has been escalated and referred to someone else and can not contact them. It will take more time .... We requested the statement through XX/XX/XXXX since we thought we would have closed earlier this month - very easy refi, good credit, lots of equity, etc. 

We are leaving on Monday, XX/XX/XXXX inlate afternoon and WILL NOT have access to phone or email as we are on vacation in the wilderness through Friday. We need to close before we leave. 

This will cost us more money, not to mention going through the process again for a later date if not resolved. 

This is unacceptable for anyone trying to refinance. Normal time is XXXX XXXX for a payoff. This should not be so difficult and frustrating. Are they trying to make all the interest they can while inconveniencing us?? What can we do? 

Not sure if XXXX provides regs for timely turnaround for payoff statement, but we are now having to push off our closing once again that will cost us more money and potentially waiting even more, since the payoff notice was requested through XX/XX/XXXX. 

What recourse do we have. This NOT right. Please help.

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 2021-05-21 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: TN

Complaint narrative:
In XXXX of XXXX I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

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 2021-05-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In XXXX of 2020 I sent XXXX, EQ, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, EQ, XXXX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: IN

Complaint narrative:
I received a credit card from Capital One in XXXX and paid fees for an alleged debts that were fraudulent until XXXX. I dispute the debt with the credit bureaus, it was removed from my credit report. I then ordered Capital One for all funds paid in error to be reverted back to the party from which they came in a check paid to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I was send to collections because of two unpaid medical bills I received a while back. 
I received the bill late because the post office was slow due to the pandemic and also they sent it to the wrong address. These medical bills was paid. I had XXXX in 2020 and had received more than one medical bill. Hospital, doctors, surgery and so on ... once I received the bill in question, I thought it was part of the other ones. I ended up paying it but they sent me to collections and my scores decreased by XXXX points. They have two different accounts on my reports with the same amounts of {$130.00} totaling {$260.00}. I need these removed from al three credit reporting agencies. I work for the Government and can not have a low score. I never had any collections in the past and my scores was over XXXX. Now it dropped down to XXXX. Also with the CaresAct collections are not allowed to report negative accounts due to the pandemic. Read below!!! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. 

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act. 

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.

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 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I did a credit card deferral since XX/XX/2021 though XX/XX/2021 ends on XX/XX/2021 and Bank of America closed my account as a wrongful error and the customer service will not help me resolve my issue due to a error on my report and i paid my credit card on XXXX the 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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate.

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