vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX and due to Covid, I contacted Capital One to ask for a lowered interest rate on my credit card. The current rate was 21 % and I have a credit score in the high 700 's. I was told I would receive a temporary rate of 7 % and that would only be effective until XX/XX/XXXX. As for XXXX Capital One has not lowered my rate to the agreed upon 7 % but they have lowered it to 15.4 %. Per my conversation with Capital One on our original agreement, not a single terms of use, APR rate changes or current rate of terms was ever disclosed nor did I approve or validate the 15.4 %. I was told I would have a 7 % rate. I contacted Capital on on XXXX and they refuse to acknowledge their mistake and informed me that they never have offered that 7 % rate and I was confused. I took detailed notes and let be clear, I was not confused in fact, I was elated due to Capital One being so willing to work with a customer that they have had for almost 15 years. It was unethical for them to falsify information regarding my interest charges. It was unlawful for them to not disclose the rate I would be charged at. Additionally I was told that my temporary rate of 15.4 % would only be good until XX/XX/XXXX, not XX/XX/XXXX like I was told per my original phone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : 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 2020-11-11 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: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.

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 2020-11-11 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: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.

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 2020-11-11 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: MS

Complaint narrative:
Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, Equifax and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MS

Complaint narrative:
Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, XXXX and Experian are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.

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 2020-11-11 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: FL

Complaint narrative:
I will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
In a previous comlpaint, ID : XXXX, the following issues had been addressed : New Rez/Shellpoint Mortgage failed to pay taxes to XXXX County, Minnesota from my escrow account making me delinquent in my property taxes due, taxes were paid to City of XXXX, Virginia, New Rez/Shellpoint Mortgage failed to property record tax information provided by XXXX XXXX XXXX who originally granted the mortgage, New Rez/Shellpoint failed to take any action for several months so that the delinquent tax bill accrued interest. 

In XXXX, I was notified that the tax payment to XXXX XXXX, Minnesota had failed and that the first semiannual taxes remained unpaid. In addition, the second semiannual taxes were due on XX/XX/XXXX. Now, I am very much overdue for the first semiannual tax, and now overdue for the second. There has been no further communication since I submitted my documentation stating so. New Rez/Shellpoint must pay the taxes properly so that it no longer negatively impacts my life, credit, and future career as a lawyer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I applied for a refinance mortgage loan with AmeriSave in late XX/XX/2020. I paid a {$500.00} for fee and appraisal. I have repeatedly been requested to submit additional financial info and now have realized that the this company does not use common sense in this pandemic environment and does not want to do the refi.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
I am a victim of Identity theft. Please Help Me! I have attached my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. I am sending this so that i may have the fraudulent accounts removed from my Experian 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 2020-11-11 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: Lending Club Corp
State: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute letter to Lending Club Company and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to Lending Club Company and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX want to file a complaint against XXXX.I am requesting validation that is competent evidence bearing my signature. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this XXXX  they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate.AARGON COLLECTION AGENCY

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 2020-11-11 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Company sent a notice with only a Doctors name, no information about services or dates, and an amount of {$200.00} I requested an explanation and they sent me a ripped off payment coupon marked up with highlighter, red pen writing all over it, and different information! 
There is obviously confusion about this bill and they are nor providing a verification of debt!

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 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please Help! My social security number was compromised and I am a victim of Identity theft.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, Transunion, XXXX, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor. 

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 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is related to a complaint filed against XXXX ( XXXX ) I have an account with XXXX as well as US Bank. On XX/XX/2020 I logged in to XXXX online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with US Bank ) from my linked US Bank to my XXXX account. On XX/XX/2020, that sum was deducted from my US Bank account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in XXXX account the next day or so. But till today, XX/XX/2020, funds never arrived in my XXXX account. 

I filed numerous complaints with US Bank and XXXX. Both blaming each other. But XXXX 's final analysis is US Bank erroneously sent funds to XXXX  XXXX XXXX, instead of sending to XXXX. So all US Bank needs to do is demand XXXX XXXX XXXX to return those funds as I have no account with XXXX  XXXX XXXX. So Area Director of XXXX got on phone with me to get help from US Bank, but the US Bank branch staff refused, stating that they can not help, call customer service. When we called US Bank customer service, they had no clue what number to give us. Area Director of XXXX spent pretty much all day to connect to someone at US Bank with no luck and so did I. 

And after 45 days I am without funds, without any direction.

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 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX Child Support 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 2020-11-11 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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