vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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:
My credit report and email have previously been hacked on numerous occasions. I should be getting monitoring free but its not working. Please assist with this issue. A statement is on my report from older issues but the more recent hacking where monitoring was offered to victims, i was excluded and unable to access. I try to monitor it but i am XXXX, so i keep it frozen but it doesn't prevent hacking. Anyway I applied, was approved and received 2 new cards. XXXX XXXX for XXXX $ and XXXX XXXX for XXXX XXXX The inquiries show and XXXX XXXX now appears but XXXX doesn't. I believe its a XXXX or bias against XXXX people. The cards were applied for simultaneously and inquiries show. They also appear online and are open. I am attaching screenshots. XXXX is my home bank. They also have credit monitoring and can supply the COMPLETE ACCURATE information directly. Balances on all accounts is always rolling behind. Its very stressful when I'm making double payments at times to pay off/down. My score should be higher. Im also sending the history. I was over XXXX. I still haven't missed any payments nor been late. Ive paid off accounts at times and my credit limit is higher on all accounts. It makes no sense that my score is below XXXX when my limit is higher with no lates. Also my XXXX is older than listed. XXXX bought out old company but account was already established for years since XXXX. With no lates. Also have a paid XXXX ( closed store ) and paid XXXX XXXX. ( Co sign, closed ). Its all in credit history not sure why research is not being done. Accuracy is important and investigations I've requested have been incomplete. Being XXXX and having XXXX stress is a trigger and i try to avoid it entirely. I shouldn't have to babysit reporting agencies nor should I feel like I'm being treated differently than XXXX  friends whose scores are higher with less credit history, less established and lates. Being in mtg industry and reviewing others credit its ridiculous to see the difference. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CA

Complaint narrative:
I contacted Experian via a Dispute letter regarding XXXX XXXX once in XXXX and Once in XXXX. Experian is reporting XXXX XXXX with an open date of XX/XX/2020. One, I have never opened an account with XXXX XXXX. I have requested Experian to send me documentation with my signature agreeing to terms with XXXX XXXX and they still have not sent any documentation. Two, Experian is reporting a date of last activity of XX/XX/2020. How can there be an opened date of XX/XX/2020 and a last activity date of XX/XX/2020?

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 2021-08-28 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
yes, I have reported the fraud transaction over the phone and I have also called over the phone the second time to get an update. the person just told me just to ignore the transaction and just wait until it's reviewed. Im getting no updates about my fraud case and i still see it posted on my account XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$990.00} XX/XX/2021 XXXX XXXXXXXX IN DISPUTE {$370.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$1500.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I'm starting to feel worry because i don't want to be response for them.

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 2021-08-28 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: CA

Complaint narrative:
My ( collection ) account? has been reported to Experian as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is XXXX ) I was not in XXXX XXXX Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves EXPERIAN stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and EXPERIAN as well as XXXX XXXX are Lying to everyone about my credit.

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 2021-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
( I selected the most appropriate issue in the previous section, but there was really no accurate option on the list for the following issue : ) My husband and I leased a new car in XX/XX/XXXX. When we came to the end of the 3-year lease in Fall XXXX, we decided to purchase the vehicle through a loan. The paperwork was sent to us to fill out from home and have notarized, which we did. 

When I went to make the car registration payments a couple months later, I was unable to do so - there was an issue with the title. I called Chase Bank and was told that they had the title delivered to our home ( which we had never received ) and that we were supposed to bring it to the DMV. After explaining that we had never received a title, I asked them to generate a duplicate title and was told it would be sent out in 6-8 weeks.

The duplicate title never arrived. For the last TWO YEARS, we have found ourselves in a cycle of attempting to request a duplicate title every few months - and each time, the title department treats it as if it were a new request, never acknowledging that we've repeatedly made the request before. When trying to solve this issue directly with the DMV, they informed us that Chase had sent a {$1200.00} check attached to our name, that is simply sitting there - unprocessed - because no one has any idea what it is for. 

I have been pulled over 3 times and have had to explain the situation to police in hopes that they would not impound my car ( as I can not afford to pay to get it out of impound ; so far, I have been lucky ). I can not guarantee that my insurance company will cover any damage or injury should I end up in an accident, as I can not register my car as required by insurance. I have attempted to get a new title generated for the car by getting an auto loan through a new bank ... but have been told that I will only be approved for a new auto loan when the registration is up to date on the vehicle. I can not receive legal support, because there are no lawyers who see the value in taking this as an individual case. 

Essentially, I am being held hostage in a vehicle that I must pay for, but can't legally drive and that brings me more liability than it's worth. 

I know for a fact that there are multiple consumers with this SAME EXACT PROBLEM with Chase 's Title Department. 

The majority of correspondence around this issue has been over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
notice inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase has prevented access to my daily transaction BTC reports by delegating administration privileges to XXXX. 
Coinbase continues to tell me, " we hope you have solved your problems. We have closed this case ''. Meanwhile nothing has been done and I am asked to submit another request using the same email thread when I inform them that I see no results. 
I have informed them that legal proceedings will commence under UCC guidelines through FTC Financial Crimes Unit.

I wish to further generate citations and submit to the FCC and FTC, please acknowledge such and forward to my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is denying me my rights under the FCRA to view the results of completed disputes. 
Several of my disputes have been completed but I have no way of seeing the results. ( see attachments ) When a dispute is completed Equifax normally post a pdf file next to the dispute. The PDF has the results of the dispute. There is no pdf files next to my completed dispute results. I filed a complaint through this portal on Equifax and you the ( CFPB ) closed the complaint and did nothing about it. Equifax is still denying my rights to view completed dispute results and you are still doing nothing about it. I want the CFPB to do their job and make Equifax make the results of completed disputes available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: NY

Complaint narrative:
I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXX XXXX XXXXXXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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:
Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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:
Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I request reconsideration for request reference number is : XXXX this bank keeps denying me based off someone else using my report in the past. I was unaware of this bank and now that Im trying to build a positive relationship they are penalizing me for something not my fault.

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 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez/Shellpoint. I have been current in all my mortgage payments. I received a call early Saturday morning telling me Shellpoint Servicing for NewRez was calling to collect a debt which could result in foreclosure but he did not know exactly for what or how much. After I asked several questions I deduced it was the mortgage payment. I called the number he gave me on Monday and got nowhere. In fact, I called all the numbers I could find on the internet and got me nowhere. I finally got a reply when I complained on XXXX. They purchased my loan, I got a letter and set up auto pay with my bank but they never sent me any statements after that. They never picked up my insurance coverage with the last lender but were charging me {$800.00} per month for the last 4 months for insurance that I already had on the house. The house payment is {$1100.00} per month.They were sending the statements and all mail to this vacation home in which no mailed is delivered to anyone up there. They are still sending me emails that I owe them this money after I have cleared this up with them. I recall a loan, 3 years ago on my primary house, also sold to them and they were charging me {$1000.00} per month for insurance I already had. It got so bad I just refinanced with another lender. NewRez and Shellpoint are basically the same company however I found one side does not know what the other side is doing. In my opinion, it is a scam they have going to foreclose on people that do not understand the industry. NewRez/Shellpoint should be contacted and instructed to stop charging outrageous fees for home insurance 4 months after the fact when they have not done their due diligence to make sure they have acquired proof of insurance from the last lender and the mailing address is correct. They have a copy of the deed which shows the correct mailing address so they have no excuse. Odd they contacted me by phone after charging me for 4 months for home insurance, {$3200.00}, instead of calling me in the first place. I would not be surprised if other homeowners paid their fees just to get them from harassing them further and fear of foreclosure. This is a horrible way to do business and have never had this issue with any other lender. 
I would think this would be against Fair Lending, U.S. Department of Housing and Urban Development ( HUD ), Full Disclosure laws and the Department of Real Estate laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CA

Complaint narrative:
My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX XXXX Az XXXX that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.

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 2021-08-28 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: CA

Complaint narrative:
My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX , Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by XXXX as I was on XXXX as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: GA

Complaint narrative:
Experian is constantly reporting false/erroneous negative accounts on my credit report. They refuse to re-investigate, instead, they are leaving the negative accounts on my credit. I have contacted both XXXX XXXX and XXXX XXXX, they are both non-compliant with resolution assistance. 

XXXX XXXX- Account Number : XXXX. 
XXXX XXXX GA Account Number : XXXX Per accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demanded that Experian provide actual proof the information was verified, not a computer generated confirmation. They've failed to do so, after 3 requests.

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 2021-08-28 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: FL

Complaint narrative:
Good Afternoon, i filed a dispute on XXXX XXXX on XXXX  because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is XXXX  that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.

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