vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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:
I can not log into Equifax to see my credit report. In order to log in they are asking me to verify information in the credit that is incorrect. Specifically they are asking about an auto loan that I do not have and never had. Similarly I can not place a credit freeze because they are asking for the same false information. This seems to be a catch 22 situation. I can't even see the false information because I can't verify this false information. The other agencies allow placing a credit freeze based only on personal information, but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MS

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I am under forbearance with Rocket Mortgage and they had a debt collector call me today. My forbearance is through XX/XX/2021, and they have given me the option to extend that for another month with a trial period of three months with a slightly reduced mortgage payment. So I do not have a payment due right now until XX/XX/2021, and then with this program, XX/XX/2021. I resent them calling me under the debt collection division. This is absolutely wrong and should be against the law. Forbearance should be protected from the mortgage company posing as a debt collector. Shame on Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I requested debt validation and verification from Capital One. My request was not addressed, I was provided information that does not pertain to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robin hood was doing a deposit rewards thing in XXXX where they would reward you a certain dollar amount if you deposited a certain amount of money. Well I was rewarded XXXX $ on XX/XX/2021 and I've been trying to withdraw this rewards after the advertised 30 day wait and they are telling me its 60 days or that I have no rewards. I just want my funds so I can close the account. I don't like being misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information 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 non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
My mortgage company did not pay my insurance through my escrow account, while caused a cancellation. I am not required to purchase new insurance to remove the lender placed policy. No insurance company will insure me due to the lapse in coverage, and the one I did find will insure me a three times the rate I originally had. 

My mortgage company received four letters requesting payment from my insurance company. A renewal letter was sent on XX/XX/XXXX, a reminder was sent on XX/XX/XXXX, a pre-cancellation notice was sent on XX/XX/XXXX and the policy was not paid so an official cancellation notice was mailed. 

I never received any letters from my mortgage company to let me know they had not issued payment for insurance. The agents have all confirmed they can not locate any notification that was ever sent to me. I had no idea I was uninsured until XX/XX/XXXX when they purchased lender placed insurance on my home. From XX/XX/XXXX through XX/XX/XXXX I have not had insurance on my property and the mortgage company has never reached out or notified me of this ongoing issue. Now they are unwilling to provide me with my investor information as I would like to speak to them on the " servicing '' they are providing my loan. 

The agent let me know it is not their responsibility to " monitor the account all day and night to make sure you are handling your mortgage needs. '' This has now caused me months of calls, research, XXXX, and now a policy of minimum coverage at three times the rate. This will cause my mortgage payment to increase, and I am already having a hard time with making the payments. They tell me this is not their problem. 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 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
After I paid in full my credit card on XX/XX/2020, I only received a letter stating my account was going to be closed with any other reason. I've not missed any payment since the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a authorized user on two XXXX XXXX credit card for over two years and Experian has failed to report my account history. Regardless of the numerous confirmations from XXXX XXXX that my information was reported to Experian as it was reported to XXXX and XXXX Experian is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX provided me with a letter stating that they found that my account was fraudulent and that I owed them no money. They then have this account listed on my credit report as a collection. I wrote Comenity bank and sent them a copy of the letter that they sent me, and this still shows as negative on my credit report. This company is in violation of the FCRA and FTC by reporting fraudulent information to the credit bureaus. Comentity reported that I owe {$1200.00} to all 3 credit bureaus after the letter was written and sent to me about the fraud that occurred in my name on this faulty XXXX XXXX department store account. This account as state din the letter was supposed to be deleted and removed from my credit report. This has affected my credit tremendously by my score dropping because this is the only account I have in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
EQUIFAX file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " XXXX XXXX ''. I have sent and submitted multiple letters to Equifax even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and Equifax has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called XXXX XXXX Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MD

Complaint narrative:
I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information 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 2021-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a authorized user on two capital one credit card for over two years and XXXX has failed to report my account history. Regardless of the numerous confirmations from Capital One that my information was reported to XXXX as it was reported to XXXX and XXXX. XXXX is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to XXXX by visiting XXXX XXXX XXXX  or dispute online by visiting XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXXn at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
AMERASSIST AR IS REPORTING CHARGES TO THE CREDIT BUREAUS AND CONTINUE TO ATTEMP TO COLLECT A DEBT FOR A PRODUCT I DID NOT RECEIVE. 
THE SERVICE IS FOR XXXX XXXX AND UPON RECEIPT OF THE ORDER, I PROMPTLY RETURNED THE PRODUCT AND CANCELLED MY ORDER FOR A FULL REFUND DUE TO THE DEFECT IN PRODUCTS UPON ARRIVAL. CALLS TO BOTH XXXX XXXX ASKING THEM TO LET AMERASSIST KNOW ABOUT THE CANCELLATION HAVE BEEN MADE AS WELL AS NUMEROUS EMAILS. AMERASSIST KEEPS REFERRING ME BACK TO XXXX XXXX. SO WE DO N CIRCLES. MEANWHILE, I AM NOT PAYING FOR A DEFECTIVE PRODUCT AND A SERVICE THAT I RETURNED, CANCELLED AND HAVE NOT USED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
XXXX, TransUnion, and XXXX credit companies are not complying with their own policies in a timely manner.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, and Experian credit companies are not complying with their own policies in a timely manner.

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 2021-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX Key Bank branch located in XXXX MA allowed the abuse of a temporary POA post XXXX suffered in XX/XX/XXXX by my son. They allowed multiple savings, checking accounts and cd 's in excess of {$480000.00} to be manipulated, withdrawn and removed my name completely from all the above. This happened within only 2 months post a business relationship I had with this institution over 40 years. Even after myself and my other children went to the branch with court signed legal documents showing them that anything my son had me sign as I continued to recover had been revoked by my attorney they still allowed me no access or even tracking of where my money went. Multiple times myself, my attorney and other children went into this bank and were turned away without explanation. Since this happened my life has been in crisis mode.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MD

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have NO CONTRACT with this collection agency. Also they have been trying to collect on debt they claim I owe them that the date owed has been changed many times outside the statue of limitations. I am continually sending verification letters to this same collections agency every month or so for the same exact date of service and not only is this stressful but it is mentally draining me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union Literally charge me more than my rent in overdraft and returned check fees ( EVERY MONTH ) My account never ever dips negative, however they still charges me because they post their transactions the in the order they want so they intentionally be able to charge to predatory fees. They caused too many transaction to bounce just because i wake up almost every monday and i find 4x ( {$29.00} returned check fee ) and my balance can cover 4 of them, when i call they said the balance is not posted yet which makes me crazy because i can go to an ATM and take it all out. 
Here 's a list of overdraft fees charged by navy federal just in the last couple month equaling {$500.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$540.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$520.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$380.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$190.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$48.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- Those are the fees charged for allegedly claiming that checks bounces. 
XX/XX/2021 Insufficient Funds Debit - {$29.00} {$1600.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$580.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$550.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$140.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$170.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$550.00} XX/XX/2021 Returned Check Fee Debit - {$29.00} -- XX/XX/2021 Returned Check Fee Debit - {$29.00} I tried contacting them but customer server is so rude and takes over 20 minutes to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief