vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE INQUIRIES ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Quick overview : Rushmore Loan Management purchased my loan from XXXX XXXX XXXX  in XXXX. My loan has never had an escrow account associated with it. Without consulting me or asking me to show proof of coverage, Rushmore Loan Management set up an escrow account in XX/XX/XXXX for Hazard insurance only. It was finally reflected on my XX/XX/XXXX statement and since then Ive spent hours on the phone, and on hold, trying to get through the bureaucracy to speak with a mid-level level mgmt. person. None of the customer service representatives seemed to be able to help. No one wanted to escalate my query. Finally, in late XX/XX/XXXX. .I found a mid-level manager who gave me the name of XXXX XXXX XXXX ( XXXX ) who is supposed to be a VP, in the collection department. 
. 
These payments have not been entered properly to show the additional principal payments since XX/XX/XXXX, and my account is in disarray. 
Despite repeated calls, and leaving voice messages, as of XX/XX/XXXX, I have not heard from XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Brief description of the issue : XX/XX/XXXX : -- - I changed insurance companies from XXXX XXXX to XXXX. My insurance agent XXXX XXXX, ( XXXX ) XXXX, had my car covered thru XXXX XXXX, and provided hazard insurance thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX sent the Declaration page of coverage to Rushmore. In XX/XX/XXXX. 
On XX/XX/XXXX, I paid {$490.00} for the first installment. On XXXX paid them {$200.00} for the second installment of annual policy. On XX/XX/XXXX -I sent {$190.00} for the third installment.. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -Rushmore Loan Mgmt XXXX sent {$1700.00} to XXXX XXXX XXXX XXXX XXXX for hazard insurance. An escrow account was created. They did not contact me ( U.S. mail, phone or electronic communication ) prior to, or request verification of a Declaration page. 

XX/XX/XXXX -- -The error come to light on my XX/XX/XXXX statement. I made several calls to Rushmore Loan Mgmt. was not able to find anybody that would take responsibility. I was first transferred to the flood insurance department. There had been a one-month gap in my coverage in XXXX, which was paid for and covered by myself to Rushmore. So that eliminated that. 

XX/XX/XXXX -- -I called XXXX XXXX XXXX my insurance agent and asked him to look into it. Weve been in discussion about this for several months. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -On or around the end of XX/XX/XXXX finally got connected to a VP of collections named XXXX XXXX XXXX ( XXXX ) After several calls over several weeks, we both came to the agreement, that the escrow account was created in error by them. My last conversation with her was the early part of XX/XX/XXXX. She said she was going to correct all the postings on my principal curtailment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX  - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

*attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FC HoldCo LLC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XXXX. As of today I have not received any response from Experian or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. Experian and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America refuses to assist me in any way to look up a transaction that XXXX alleges that they deposited to my Bank of America card ending in XXXX on XXXX. 
Bank of America refused to look up the transaction ID XXXX, that XXXX claim they refunded in the amount of {$65.00} to that same debit card. 
I informed Bank of America that XXXX insists that the payment went through successfully and was not rejected or sent back. 
Bank of America refuses to assist me in any way to look up the transaction ID or the Funds.

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
Consumer complaint received 2020-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
The company is XXXX, I was misinformed about the student loan forgiveness program. I felt pressured to consolidate my loans and was misinformed about the Public Service Loan Forgiveness Application. XXXX informed me that my current payments would not count towards my XXXX qualifying payment for the loan program due to me not consolidating my loans. I was informed that my five years of XXXX would not count towards the ten years of service if I did not consolidate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Was paying {$440.00} dollars monthly and with out any notices or calls I was charged XXXX that wasnt authorized by me .... please call me XXXX or email me at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX. As of today I have not received any response from XXXX  or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XXXX. As of today I have not received any response from XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and Equifax have failed to respond in a timely manner to my requests and while I did receive a response from XXXX, they did not resolve all of my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I sent CapitalOne a settlement letter and check in the amount of {$810.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 CapitalOne cashed the check and the check cleared my bank. As of XX/XX/2020 the tradeline section of my credit reports is still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. CapitalOne has not honored the terms of the settlement they agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERASSIST AR. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERASSIST or the company they represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERASSIST AR that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUHOME SOLUTIONS, LLC
State: FL

Complaint narrative:
TruHome solutions XXXX XXXX and XXXX XXXX were working on our loan application. During this process they repeatedly asked us to sign documents that were not accurate. They did not reflect the true closing costs or interest rate. When we requested the documents be updated they told us " it doesn't matter it's just signing that you saw a document ''. Honestly, we're not sure if they were just lazy, or if there was an ulterior motive to defraud. Either way the process stretched on for months, with TruHome solutions XXXX XXXX requesting either the same documents they had already received or additional documents the underwriters requested. TruHome solutions has been our mortgage holder for 4 years, they know our history. Each time she blamed it on Covid delays, but accurate documents are not the victims of Covid. I think someone needs to investigate why employees of a lender are telling consumers it's ok to sign a legal document that does not accurately reflect the agreement for loan terms and conditions. 
We started this process in early XX/XX/2020 and were told it would take approximately 3 weeks. We were told we were approved XXXX XXXX. We sent all requested information in and then things started going wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief