vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent Experian a letter stating that I had gotten my credit report and the following items ; XXXX ( late payment ), XXXX ( Loan and Hard Inquiry ), XXXX ( Hard Inquiry ), and US SM BUS ADMIN ODA ( hard Inquiry ) was unauthorized and that I do not recognize them, so an investigation needed to be done on these accounts. On XX/XX/XXXX, I sent them a demand to comply with my last recent request and I also reported it to the CFPB. They responded back before I had reported to the CFPB and told me the results were in. However, whenever I tried to click to see the report I wasn't able to, which then made me still send the complaint to CFPB because of this false advertisement Experian was doing, sending me a report that was unable to open. A couple days went by with my complaint to the CFPB and that really helped to speed up their process. I received an email of my results shortly after, and I was able to open this report, in the report it only addressed one complaint from my first initial letter and that complaint was the late payment for XXXX had been updated. The late payment they had once had on my credit had been removed. Although, to my surprise there was nothing said about the other 3 disputes. CFPB then closed the case I presume because the company had responded, the problem was that they hadn't responded fully. I decided to wait to see if they would take some more time to respond to those disputes separately as they did for XXXX but they didn't. On XX/XX/XXXX I ended up sending them an MOV ( method of verification ) for the following accounts XXXX and XXXX. A couple days later I received an email that a new dispute had been opened with Experian, however it had been the same dispute since XXXX that they hadn't responded to fully and only responded to one dispute and not the other 3. They then sent me an email with the final results that the account had been verified, after almost 2 and a half months of struggling with them and stressing myself about these derogatory marks that I had not authorized. Therefore, today on XX/XX/XXXX I sent them another MOV. Experian has failed to reach my demands and because of that my credit and my whole life has been impacted drastically and I believe they should be held accountable for violating the FCRA laws by not providing me with my response in 30 days, in which case these items should be removed from my credit because it has been over 2 months now.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed an identity theft report and provided all documents needed to submit a complaint and have an investigation done correctly. i received a notice that my case was closed without receiving any results from the investigation. I am extremely disappointed and starting to feel symptoms of XXXX. The items are still on my credit report illegally by law you should remove any accounts under investigation and they were not removed at any point.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
RoundPoint Mortgage Servicing Corporation XXXX XXXX purchased Lender-Placed Hazard Insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX said the XXXX Policy Number XXXX is not valid. The XXXX Policy Number is found in the Mortgagor 's Notice of Insurance ( Evidence of Insurance Coverage Placed ) from RoundPoint Mortgage It shows XXXX XXXX as the insurance company. I have contacted XXXX XXXX XXXX and RoundPoint Mortgage many times without resolution. 

For further information see complaint # 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 2021-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 my credit got ran for a XXXX credit card ( XXXX card ) and on XX/XX/2021 my credit got rand for a capital one card ( CAP ONE NA ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
On XX/XX/2021 Bull City responded to : complaint number XXXX Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
Bull City, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the medical dept. You will also, notice the subrogation letter, where this debt was paid as part of a XXXX XXXX settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and Bull City the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DataMax Corporation
State: NC

Complaint narrative:
On XX/XX/21, I called Datamax and spoke with XXXX. I paid a total of {$950.00} to pay off XXXX collections with their company. I was advised by XXXX that when paid, they would submit a deletion request to XXXX and that the collections would be removed from my report within 30-45 days. 

On XX/XX/21, I called Datamax and again spoke with XXXX. She advised that she would resubmit the deletion requests and to allow ANOTHER 30 days for them to be removed. On XX/XX/21 I checked my reports and the collections are still present. Also, they are still reporting that a balance is due, which is misleading to any creditor that is viewing my reports. 

You will see on the attachments that the " Last Reported '' date for Datamax was on XX/XX/21. I feel that this is a bait and switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother in 2007 when I was XXXX XXXX XXXX obtained a Wells Fargo credit card under my name. I had no knowledge this was under my name and Wells Fargo allowed a debt to be opened in someone's name without their knowledge and also my mother is not a XXXX XXXX speaker they took advantage of her asking if she had any adult child she wanted to make an account for. This was around the same time they had a scam to open as many accounts as possible and mine was one of them which the CFPB sued Wells Fargo and forced them to pay huge fines for this type of behavior My mother has been paying that debt which I had no knowledge off because I did not open the account and I don't use my credit for anything up until recently when I checked my score and my report to find that Wells Fargo has been reporting me on a Charged OFf account - They never called or wrote me anythjing to allow me to resolve the issue they simple reported me as a charge off. I only found out due to accessing my free yearly credit report which I only did recently and hadnt noticed this account ever in the past due to it being in good stannding. now that its a charge off I was still never notifgied by Wells Fargo about this account and its negative standing in order to resolve it. 

when I try to call I get conected through general customer sertvice, they tell me that they have to transfer me to their legal department ( XXXX ) they leave me on hold for hours, then someone answers, says they cant hear me and hangs up. This has happened about 15 times now from multiple phone lines and I am losing time and income dealing with them since they are only open during regular business hours XXXX while I am also working. 

this is discrimination as they took advantage of my XXXX mother who didnt fully understand XXXX and they got her to open the card in the first place without my actual permission and I was so young I didn't know until I am not older and trying to use my own 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 non-monetary relief
Consumer complaint received 2021-12-21 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: MO

Complaint narrative:
On XX/XX/2021 I sent Transunion a letter about the ownership of the bankruptcy on my report requesting what method you used to retrieve such information. On XX/XX/2021 I sent a follow letter then on XX/XX/2021 I sent a rebuttal letter requesting it to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network constant calls from them. This are XXXX bill all in different amounts totaling {$5000.00}. I unfortunately have no means of paying this and they continue to call and harass leave messages and call at all times of day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I terminated my XXXX XXXX, cause of faulty issues in there equipment. When I terminated my account. I was told I would not be charged or any payment would be needed. I was told multiple times. The people their said as long as I return the equipment that was theirs. No charges would be pressed, I have retuned there properly. 
I dont know why Im being charged or something I wasnt supposed to be charged and didnt know

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
My XXXX loans are serviced by ECSI ( Heartland ). When I recently attempted to check my balance, the credentials that I always used were rejected as invalid. When I attempted to reset password, the system did not recognize my account ( based on last name and birthdate ). I am at a loss about what to do to access my account information. The XXXX XXXX does not appear to work. I was on hold for almost an hour, and then left a number for a call back. Neither option has resulted in talking to an person who can grant access to my account. I don't know what else I can do. Please help me access my account. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted XXXX via mail and phone requesting the removal of the inquiries that I didnt apply to. XXXX informed me that they are accurate and will remain for XXXX years. I did not apply for credit to the companies listed with the exception of XXXX for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.

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 2021-12-21 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have sent an identity theft report to XXXX, XXXX, XXXX, AND AMERICAN HONDA FINANCE It has been well over 30 days and I have not received a response this investigation should have bee completed XX/XX/2021 Please remove AMERICAN HONDA FINANCE from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Call Navy Federal Credit Union on XX/XX/21, ask questions about cashier check and was told the funds would be made available same. I went to cash the check on XX/XX/21 was told there a 24 hour hold. Call there XXXX number again was told there was no record of my call on XX/XX/21, explain what happen and was in need of my money do to the death of my mother, was it will be there in 24hrs. Asked for a supervisor who would not listed ask to file a complaint was told he would. Call back on XX/XX/21 because cashier check was still not in my account after 24 hours. Was told now it not processed until after midnight to 6am, by a supervisor who was told your customers service told me other wise. Navy Federal keeps living to people over our money and fails to do the right thing. 24 hour hold has turn into a 48hrs with them making excuses on my money. I had to miss my mother funeral services because of them., and they don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: MI

Complaint narrative:
whats going on now? im still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors!

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This company has bought this debt from another debt collector as it has been sold XXXX  times now because its removed off my credit report as its not my debt. This is a fraudulent account. I have never had any debts with this company or the company it represents. All my accounts are in excellent standing and then right before XXXX when times are tough this company adds an account on to my credit that isnt mine. This is turn had caused me hardships and other credit card companies questioning my ability to pay and also I was turned down for a credit card and refinance on my vehicle. Its caused me sXXXX XXXX and XXXX and I have reported this account as fraud with the credit bureaus. This company never tried to contact me or never sent me a debt validation letter before adding this on to my credit or doing any due diligence to see that this is a fraudulent account. I have made a a complaint with Ohio General attorneys office and I want this removed off my credit immediately as Ill be seeking compensation for damages that is causing me XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Hello, I received a notice about a new medical collection added to my credit profile. This is a LIE as my insurance paid this expense in full. I demand this to be removed at once as this is impacting my credit profile. I am also showing numerous inaccuracies, arent the active dates supposed to match under the FCRA? I will hire a credit consumer lawyer if needed and sue for all violations found. I have yet to receive any verification as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
To whom this XXXX concern, I tried to buy an XXXX online through the XXXX website. The Bank they use for the loan is Citizens Bank and they are offering 0 % apr on the loan for the product. So, I thought, why not take them up on the offer. 

I have great credit and assumed that this would be a smooth process. My first attempt wasnt successful and I got an auto-response saying my loan request was denied. I thought it was a mistake so I tried several more times thinking I was putting in the wrong info. The auto-response kept saying to check my email but nothing was sent over a few days. I even paid down my credit card to zero thinking maybe that was the problem. I attempted this around 5 times in total. 

I contacted Citizens bank to see what the problem was. They concluded that my account from 4 years ago was delinquent around {$500.00} from an XXXX product in the past ( I dont remember the exact amount they told me ). I never knew this and was very surprised to hear it. I never got an email or letter telling me to know I owed them money. They told me to call the collections department to resolve the problem and pay the balance and that would fix any issues. I was happy to do that yet still a little confused that they never tried to collect from me. 

I called the collections department and they assured me that I have a zero balance and it was paid on XX/XX/2017 so there was nothing to pay. Apparently, it was a two-week late payment for around {$500.00}. We were able to get on a three-way phone call with a Citizens Bank representative to explain that this issue has been resolved 4 years ago. 

The bank refused to fix the problem on their end. After many attempts and several conversations with different people to resolve this, they still will not absolve me from their mistake. They continue to say I owe them money and that I am a risk to loan money to. With no way to pay them or resolve the issue, I am at a dead end. 

I just happened to look at my credit score today and it has gone down almost 50 points in two weeks. I can only imagine thats because of all the times I attempted to apply for this loan that was denied for a mistake Citizens Bank refuses to correct. 

Thanks for your help. 

Best

Company response to consumer: Closed with explanation