vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly filed disputes ( XX/XX/2021 ) with Experian credit report services regarding an item called " XXXX XXXX XXXX XXXX '' which represents a credit card extended to me which I failed to pay on time and was closed ; this was my fault. As Experian states, the debt was purchased by another lender ; I paid that lender for the amount in full. What I have disputed are the following two pieces of information on this item. First, it is listed as " Charged Off '' twice and this is simply not possible! The second is that It continues to be listed as " Closed '' but not " Paid, Closed. '' as it should. As they requested, I have contacted XXXX XXXX XXXX and they have told me they are not involved with this item as they sold it to another lender called XXXX XXXX XXXX which is listed with this item on Experian. I have uploaded a letter from XXXX XXXX XXXX, to whom I paid the balance, which says to Experian as follows : " Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been satisfied. Your account will be considered paid-in-full after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. '' and, as a result, the entire item should be removed from Experian as it says " delete our company 's tradeline '' which they refuse to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T Bank had pre approved me for a home loan. I sold my house and paid off the mortgage that was also thru BB & T Bank. I put down money in escrow, paid for an appraisal. Paid for a survey and an inspection. Now the underwriter added things right before I get ready to close on the house I was purchasing. I paid to have farm animals moved to a boarding facility. I have nowhere to live due to the underwriter doing this. This has created a horrible hardship for me. I can only stay at a friend 's house a little bit longer. BB & T bank which is Truist now. Has put me thru the wringer and I have no place to go because of the underwriter. Please help me out. 
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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ID

Complaint narrative:
To whom it may concern Hello, my name is XXXX XXXX. I am trying to refinance my home. I just found out in XXXX that my credit score has gone down significantly because of two 30 days past due claims by my mortgage company in XXXX and XXXX. This was a surprise to me considering I never missed a payment. Since the origination of my loan my payments have been between XXXX and XXXX per month. I always pay XXXX just to insure I am paying above the amount of the mortgage. 
In XXXX. I received a letter stating that I was going to have forced insurance if I did not provide proof of insurance. In XXXX. I had my insurance provider send proof of insurance. Assuming that the problem had been resolved I continued to make my payment as usual. 
My mail is not reliable, so I was not aware that fifth third bank had misplaced the proof of insurance and raised my payments up until I got a phone call from fifth third bank notifying me of my partial payments in which I immediately brought the account current. I had my insurance company resend my proof of insurance and the problem was corrected and they mailed me a reimbursement check. I assumed that because they were willing to correct their mistake they would also correct their credit reporting but I was mistaken. 
In XXXX they said that I was an entire month delinquent. Upon further investigation it was determined that my regular payment was not being recognized because it was a partial payment due to an escrow adjustment that I was not aware of. This was corrected and I immediately brought my account current. 
Because of this confusion they reported to the credit bureau two thirty days past due claims. I asked them to correct this, and they said they could not because the shortages were not because of the mistake they made on my insurance, but rather the escrow adjustment. I feel this was an unfair reporting since I was working on resolving an insurance dispute with them at the same time as these adjustments were made. They have since adjusted my escrow back to its original amount. ( very suspect ) They are not accepting any responsibility for the misplaced payment or the mistaken laps in insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NV

Complaint narrative:
I previously contacted Equifax on XX/XX/21 and XX/XX/21 about removing/Blocking/Deleting 3 accounts from my consumer report. 

Pursuant to the FCRA 15 USC 1681a ( 2 ) under the Exclusions section it states : The term consumer report does not included ( A ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also under the exclusions section in the FCRA, 15 USC 1681a ( B ) it states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Pursuant to TILA 15 USC 1602 ( k ) " The term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining property, labor, or services on credit. Equifax has failed me as a consumer and violated my consumer right by allowing this information to continue to be furnished on my consumer reports, which has caused me great financial harm Also in response to my previous communications with Equifax, an investigation was allegedly administered. Pursuant to the FCRA 15 USC 1681a ( e ) it states : " The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such information. However, such information should not contain specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To this date Equifax has never interviewed any of my neighbors, friends, relatives, or associates in relation to furnishing a consumer report in my name. Equifax has only received information relating to those accounts from the creditors and the creditors only which is another Violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: IN

Complaint narrative:
I have previously attempted to resolve this with a complaint through the CFPB. However, the resolution by the bank did not address the whole situation. The initial complaint involved KeyBank 's refusal to allow take over of my deceased mother 's loan and the release of her deposit accounts. The loan issue has been resolved, but I am still fighting to get my mother 's deposit accounts released so that I can settle her estate. 

My mother passed away XX/XX/21. I filed a small estate affidavit with KeyBank on XX/XX/21. The bank sent it to their legal department. I was contacted eventually saying they were sending it to collections. I was then contacted saying that they could not release the deposit accounts because there was a HELOC in my mother 's name also. The HELOC is not secured by the deposit accounts. 

I filed a complaint on XX/XX/21. I finally received a " response '' on XX/XX/21. The response did not indicate that KeyBank would release the deposit accounts to me. I attempted to contact their complaint department to inquire about them, but I could not reach anyone who would talk with me. I was finally able to speak with a person on XX/XX/21. My information was taken and I was told I would receive a call back. On XX/XX/21, I called them back and was able to speak with a person about my issues. I asked about an estimated time frame for resolution, and I was told that she could not provide one. But she promised it would be " less excruciating '' than my other issue and that she would stress the urgency of getting this resolved. I heard nothing back. I eventually called again on XX/XX/21 and I was told by the person who answered the phone that the person working to resolve my issue was " working diligently '' and I would receive a " written response '' as soon as it was taken care of. As of XX/XX/21, I still do not have any answers, no one will speak with me personally to provide answers, nor do I have access to my mother 's deposit accounts to pay her creditors and their mounting late fees and finance charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
Select Portfolio Service is my 2nd mortgage company. They have reported late payments from XX/XX/XXXX to XX/XX/XXXX. I tried to pay them but they returned payments. I have asked them to correct it. They will not work with me. They have now put me in forbearance so could make up the payments, but there will still be a negative impact to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Despite the multiple previous written requests, the CAPITAL ONE account still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TX

Complaint narrative:
This XXXX XXXX and I am working on my OWN credit to fix the current issues I am having with you. Please process my request and do not use any stall tactics as I am using CFPB to track your blatant refusal to assist me. I do plan on suing if I need to. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: KS

Complaint narrative:
I was approved for a loss mitigation/loan modification. I made 6 consecutive payments which was what I was instructed by a representative was what was needed before my past due balance could be moved to the end of my loan. I was attempting to make another payment when I got the voice protemed message i needed to pay all of my past due balance. Finally when I could get a call back and speak to someone on XX/XX/XXXX at XXXX I was told it was cause I was terminated from the program due to a tax lien. I instructed the representative that I faxed the satisfaction of judgement on XX/XX/XXXX XXXX at XXXX and had a succuessful fax transmattel letter to send him to as proof. the representative asked me to hold. Upon his return he told me he found the fax but it was to late and I would have to reapply again. Now I have tried reappling I have spent the whole month of XXXX trying to ensure the morgatage company has the correct documents I have faxes and emails to them plus phone calls where I sit on hold for over XXXX hours waiting to get to talk with a representative. Finaally last monday XX/XX/XXXX a represative called me back at XXXX XXXX we discussed the documents and she couldn't answer my questions and stated that department was closed for the evening however she could schedule a call back for Tuesday XX/XX/XXXX at XXXX, no one called, I have been calling every day since with no luck. I am currently on hold again now for the third time today, XX/XX/XXXX. All I wanted to do was make a payment on my house, I repeated to several representtatives I couldn't make the whole past due but I was making a monthly payment as we had agreed previsouly. I begged them to please to my monthly payments cause I WAS only getting further and further behind and this was only causing me a further hardship. 

( In the attachments I am including an email where you can see I was contacting them back in XXXX asking why my payments hadn't gotten any lower. my last payment the system let me make was XX/XX/XXXX. )

Company response to consumer: Untimely response
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At the beginning of this month, XXXX, I looked at my credit report and found multiple inconsistent and inaccurate information from multiple creditors. One of those creditors is Chase. They are reporting two accounts to the credit bureaus, with multiple inaccuracies and inconsistent information that violates the FCRA and is non Metro2 compliant. 

Because of these violations, on XX/XX/2021, I sent Chase a letter stating that they are reporting inaccurate & inconsistent information on my credit report. I requested that they show me proof that they are reporting 100 % accurate information, and if they could not provide me sufficient proof, then I request an immediate deletion. 

On XX/XX/2021, Chase sent me a letter back stating " Your request didn't have enough information for us to begin an investigation. '' Which I don't agree with. I sent them a letter with all the information they needed to start an investigation. 

I am reaching out to the CFPB to make sure that Chase takes my concerns seriously and helps me delete this inaccurate and inconsistent information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i had filed a fraud claim for XXXX and bank of america refuses to place my credit onto my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: OK

Complaint narrative:
On XXXX I was denied a personal loan to buy groceries due to XXXX XXXX  being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to XXXX XXXX  for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. XXXX XXXX shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NC

Complaint narrative:
I have a loan with FEDLOAN. The current status should not be showing late because I think I paid on time. This just proves that XXXX  Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$3000.00} FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX trading crypto currency at Coinbase my money stock there for over 4 months I filed multiple complaints Im trying to contact the company every day but no success they holding over {$23000.00} without giving me and option to pull my money out! I tried every single way to contact them but surprisingly there is no one to respond my concerns. At this point im urgently looking for someone to help me to take my money out or at least to help me to speak with someone to address my issue. 

Thanks you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.

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