vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : 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 2021-11-17 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: CA

Complaint narrative:
Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : 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 non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have been scammed with a company called XXXX  i transferred money from coinbase to it but they did not take no action to help me out i lost XXXX the last time i sent money was XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: AZ

Complaint narrative:
I incurred financial losses by using XXXX to apply for a mortgage purchase on a single family home. The main issue I dealt with is the loan officer assigned to me has been out of the office for the last 10-15 days on a family emergency, which is understandable.. however the last 10-15 days is a critical time to gather all necessary documentation and explanations to underwriters to close. Better, didn't assign me another loan officer to facilitate the transaction, and now I will not close on time and will lose my contract on the home purchase. This has not only cost me valuable time ( which is much more valuable than money ), but also a portion of my non refundable earnest deposit on the home and the appraisal cost charged to me by XXXX Had they cared about me as a consumer and assigned me a proper and available loan officer we would have been able to close on time and I wouldn't have incurred any losses throughout this transaction. Competent Loan officers are critical to the closing of loans to provide explanations of to underwriters, when they aren't available theres not way for the consumer to speak with the underwriters due to current loan regulations. It is my belief had they provided me the necessary personel we would have closed on time with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TN

Complaint narrative:
I called and spoke to Capital One and I explained that I had to close my checking account due to fraudulent activity and I called when i realized that a payment was about to come out I told the representative about the situation and she told me that I will still be charged a late fee and return fee and this is total unacceptable when I tried to let them know what was going on and the next day I paid the {$65.00} on next day so I have been charged a late fee and also a return fee and I know for certain that this is wrong and no one is willing to help at this trying time something needs to happen I feel like everyone is XXXX can agree that Capital One is a scam with all the interests and fees they are charging

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion Corporate Office, XXXX XXXX XXXX, and XXXX XXXX XXXX representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the 3rd party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.

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 2021-11-17 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: LEXISNEXIS
State: MO

Complaint narrative:
I have previously filed a complaint against Lexis Nexis ( who I obtained a security freeze with on XX/XX/21 ) for providing XXXX information about me in the month of XXXX. I have not received any correspondence back from Lexis Nexis concerning the matter. After speaking with a rep at CFPB I was made aware of a letter that Lexis Nexis sent stating they did not receive identifying info from me. This is false as I have e-mails to prove correspondence and proof that I sent them the ID info they asked for. They sent a letter stating they did not know what I was talking about when confronted with the information they shared with XXXX. I am now filing a new complaint due to info I received from XXXX on XX/XX/21 ( the day before their response letter to the CFPB ) letting me know that they had obtained third party public record information on me from Lexis Nexis. This is against the law!!! The CFPB has VERY CLEARLY laid out the guidelines by which entities may obtain info on consumers that have a security freeze. Lexis Nexis should know the credit bureaus ARE NOT included in that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Conversation was started w/Mr. Cooper and homeowners at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone calls and complaints were made to get to the reason of why we should be in bankruptcy and there is no reason we should. Mr. Cooper confirm a pass due amount of {$6500.00}, while the HELOC is {$2900.00} and additional amount due to HOA. Homeowners are compilating a dismissal of XXXX. However, Mr. Cooper has said there was no room to have this loan modified. Payments can not be lowered and the terms aren't negotiable. Given the present state of emergency around the world with COVID-19 being a factor causing the deaths of significant love ones, we can not see how this investor refuse to modified this loan. We would like an explanation to cfpb as well as homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TAMMAC HOLDINGS CORP
State: NY

Complaint narrative:
I had a late payment to Tammac holding corporation what happen is the payment was late and they put it on my credit report as a Delinquent. How can they say it was Delinquent When they were paid. I dont understand this because they receive there payment. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York My email is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Location Services Holdings, LLC
State: IL

Complaint narrative:
Refinanced my vehicle with AutoApproveXXXX XXXXn XX/XX/2021 which was a nightmare in and of itself with terrible interactions with everyone at the company. Took 4 weeks instead of 2 days like they promised with a lack of professionalism in each conversation that's hard to imagine being worse. 

As part of the refinance they needed to issue a new title and paperwork so I can get a new license plate in the state of IL. They told me I would receive the paperwork and title no more than 10 business days after the closing. It's now mid XXXX and I've called/emailed weekly and asked for updates on when I can expect my paperwork, as I'm now unable to drive my vehicle as the title and license plate are not valid anymore. 

AutoApprove is a scam, have unhelpful employees, and are incompetent in delivering the contractually obligated items within their contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXe of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXXXXXXXXX XXXXate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
My XXXX XXXXXXXX XXXX is reporting me 30 days late for XXXX when my XXXX payment is not due until XX/XX/XXXX. I have scheduled a payment for this Friday and they refused to correct the reporting. Im technically not late until the XXXX. Their phone number is XXXX. My name is XXXX XXXX XXXX and my phone number is XXXX. I am in a situation where they dropped my credit reporting XXXX points due to this and accuracy and the timing couldnt be worse Im in the midst of trying to purchase a new vehicle due to a theft of my vehicle etc. please help thank you

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent MULITPLE Letters to Equifax and they have failed to respond within 30 days. I sent a XXXX XXXX Letter on XX/XX/XXXX, a No Response Letter on XX/XX/XXXX, an additional No Response Letter on XX/XX/XXXX. I have sent a FTC report 5 times to Equifax and nothing has been done. I also sent an Intent To File FTC Complaint Letter on XX/XX/XXXX and Equifax has yet to respond to any of my letters. Equifax is violating Fair Credit Reporting, Section 611 ( a ) ( 5 ). They have failed to verify information within the 30-45 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a call today XX/XX/XXXX owing Fifth Third Bank {$1800.00} from closing an account in XXXX that had 4 transactions adding up to {$1400.00}. This is the first I have heard of this in 9 years. I don't recall the account nor do I have any information about what I supposedly spent this money on. XXXX XXXX XXXX XXXX is claiming if I don't pay them today, they can submit a claim against me for my contractional obligation. If they submit this, they say that XXXX will lock me down at my current bank, causing me to not have access to a checking account or debit card for five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have couple of hard inquires that I haven't done. This are the following ones that I have seen in my credit report. 
XXXX XXXX XXXX  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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Called and asked if we accept credit cards ( our business ). And asked if we accept American Express. The. Hung up. Called back and voicemail claiming to be American Express. 

Phone number that called me is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX is the servicer on my XXXX XXXX XXXX XXXX Student Perkins loan. They have forced me into an interest accruing forbearance even though I qualified for a Unemployment Deferment and Since XXXX of XXXX, to XX/XX/XXXX All Federal Student loans were suppose to automatically qualify for a 0 % interest forbearance with {$0.00} payments. My Federal Stafford loans followed these federal guidelines of the CARES ACT. 

However XXXX has not, with some help from my school XXXX XXXX was able to fix the problem with the previous problem however saying it used up ALL of my deferment months becuase XXXX ignored the Federal CARES Act that was suppose to freeze interest and payments from XX/XX/XXXX - to XX/XX/XXXX. 

Can you please help with reporting this loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
I bought my home from XXXX, then they sold the loan to midland mortgage and my house payments started going up. No reason either the taxes were the same and the Insurance was the same. they claimed I missed a payment which I did not. Have proof of this then CoviXXXX hit. they had turned me in to the credit report co. my house payment was {$500.00} but after I tried to refinance my home is when I found out that they had destroyed my credit with lies. I then went to Credit repair to restore my credit. That's when midland mortgage told me the escrow was messed up and placed my payments at XXXX a month because they claimed I owe them. then put me into a forbearance that I never agree on. Credit repair found I had not missed any payments until thee Covid-19.I am XXXX  with XXXX XXXX and on a fixed income. I have tried to reason with these people but they will not help me in any 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 2021-11-17 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
After sending a Notarized Affidavit of Validity, Portfolio Recovery failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with portfolio recovery, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IL

Complaint narrative:
ive recently checked my report and notice a few inquiries that was not made/authorize by me XXXX is tarnishing my reprot and I will like these inquiries to be removed asap. 
XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I put in a withdrawal request from my closed account from Bank Of America. They have yet to approve my withdrawal request at the appropriate timeframe and keep giving me the same excuse as to why It has not been approved.

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 monetary relief