vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MINE : name, addresses and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Unknown Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: DAS ACQUISITION COMPANY, LLC
State: IL

Complaint narrative:
Before I hired my mortgage company or even of knew of DAS Acquisition Company, LLC., DAS ran my credit without my permission. Credit ran XX/XX/XXXX ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XXXX XXXX XXXX XXXX notice attached ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX my actual lender was DAS ACQUISITION Co LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by DAS. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to DAS legally having permission to a much higher credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Velocity Portfolio Group
State: NV

Complaint narrative:
XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

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 2021-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DigniFi
State: MD

Complaint narrative:
I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX XXXX XXXX girl or a mosquito. I was also called a XXXX and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has discriminatory practices. They do not allow for cash deposits with change at their XXXX, TX branches. I went into the branch to make a cash deposit of {$26.00} to bring my account current. This is ridiculous that any bank rejects cash deposits like this. What federal law allows banks to rejects monies like this? Where are the federal laws and regulations that allow this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a credit report from my bank that was submitted by TransUnion. The report indicated that my credit score of XXXX in XX/XX/XXXX was reduced to XXXX in XX/XX/XXXX and further reduced to XXXX on XX/XX/XXXX. All categories used to calculate my credit score reflected a XXXX XXXX with the exception of Inquiries. The report reflected a credit inquiry in XX/XX/XXXX when I applied to refinance my home and in XX/XX/XXXX for a line of credit that I did not apply for. According to TransUnion these two inquiries allowed them to reduce my credit score from XXXX to 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 2021-09-10 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: Credit Plus Inc
State: IL

Complaint narrative:
Before I hired my mortgage company or even of knew of XXXX XXXX XXXX, XXXX, XXXX ran my credit without my permission. Credit ran XX/XX/2021 ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XX/XX/XXXX notice attached ) Credit Plus XXXX XXXX XXXX XXXX, MD XXXX my actual lender was XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by XXXX. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to XXXX legally having permission to a much higher credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
I had a mortgage with Amerihome and it was sold to XXXX XXXX on XX/XX/XXXX. After confirming the amount of my escrow transfer with XXXX XXXX, I noticed a discrepancy. After reviewing the Annual Escrow Account Disclosure Statement from Amerihome, I noticed that Amerihome took FHA MIP, which is {$190.00} a month, twice in XX/XX/XXXX. I have called Amerihome at least 5 times regarding getting {$190.00} refunded to me and I am told it is not possible or that I need to call XXXX XXXX to ask for the refund. This FHA MIP was taken out by Amerihome ( before the loan was sold ) so it is their responsibility. Also, each time I call, I ask to speak to a supervisor, and I am told that a supervisor will call me in 3-5 business days and I do not receive any call backs. I need help getting this money refunded back to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
about 2 months ago i checked my credit and found a collection on my credit report i wrote to the 3 credit bureaus XXXX XXXX and XXXX about them reporting that derotegrtory item on my report. i also tried reaching out to the company in writting for help just to see whom they said i owe and what its for but i got no response and the 3 bureaus keeps telling me verified. but when i ask for proof they just keep sending me back to the collection agency. so i XXXX it and found your site. i am asking for help if you can please help me its damaging my character. i tried to make mends and no response but its sitting on my credit report. the company is XXXX XXXX /RESURGENT CAPITAL SERVICES ID # XXXX. thanks inadvance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CBC Companies, Inc.
State: AR

Complaint narrative:
MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX year old girl or a mosquito. I was also called a terrorist and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i purchased my home in XXXX of XXXX, at the time the lender and servicer was XXXX Mortgage. several months later i received notice that wells Fargo would be taking over as the servicer of the loan. i am very concerned as my monthly mortgage payment has gone up twice claiming that we did not pay enough in Escrow and another claiming we have not paid enough in taxes. i am concerned that they are making up charges and taking my money. i have no recourse as i have to pay for the roof over my head. i also read today that wells Fargo was not supposed to take on any more assets after 2018 and it worries me that they are now the owners of my mortgage. since i purchased the house my mortgage payment has almost doubled and no one on the banks end can give me any real explanation as too why other than to tell me that i have to pay it

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NV

Complaint narrative:
Transunion and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX NAVY FEDERAL Date of inquiry XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: VA

Complaint narrative:
Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX CAPITALONE Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MA

Complaint narrative:
CashApp/XXXX  XXXX  are running an outrageous scam. They told people that if they get their pay deposited into a CashApp/XXXX  XXXX  account they'd get {$100.00} off their next purchase. What they didn't mention is that their card is a prepaid card not a debit card and can not be used in certain stores. The {$100.00} disappeared because of this. When attempting to close the Debit Card and Bank accounts, they said they would not do so unless I deleted my entire cashapp. Unfortunately, to function in 2021 it is necessary to have cashapp although I've moved as much as I can to XXXX. However, this hostage situation that forces me to leave this card and bank account open to ahve the base functions of the app ( that operated just fine without them before ) is ridiculous as when setting this up, it was never stated that this was an irreversible decision, even after talking to them for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I wish to get a home equity loan on a house that I bought 14 years ago and on which I have accumulated significant equity. Weeks ago I started the application process with Loan Depot. They have moved my lockin date twice. Every few days they ask for more and more documentation, some of which is irrelevant. Two days ago they asked for settlement papers on a residential lot I bought 20 years ago, in another state. I still own this lot, but it was paid off many years ago and there are no claims against it. They have asked for proof of insurance, not just the insurance on the house on which I am applying for the home equity, this already having been supplied to them weeks ago. At that time, without my authorization, they changed the name of my present mortgage lender to LoanDepot even though they have not closed the mortgage with me. I have asked for an answer on my application, twice, either accept or decline, and have received no answer, but every few days I get a request for more and more documentation. I am XXXX years old, XXXX XXXX XXXX. I think discrimination in mortgage lending may be occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Self Financial Inc.
State: IL

Complaint narrative:
This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to XXXX. Only XXXX and XXXX.

Company response to consumer: Closed with explanation