vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: TN

Complaint narrative:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As of XX/XX/2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.

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 2021-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2021 I called Dovenmuehle to request to end our mortgage forbearance. I was told I would receive the documents to sign within XXXX to 8 days. 

On XX/XX/2021 I called Dovenmuehle relaying that I had not received the requested paperwork. I was then told the process could to up to 4 weeks as the loan was still under review. I questioned what the review process entailed and was not provided with a satisfactory answer. 

Today XX/XX/2021 I still have not received the paperwork and was informed by the Dovenmuehle rep. that Dovenmuehle did not have the paperwork and it would be coming directly from the VA as it was still under review which contradicts the two prior phone calls. 

End goal someone send the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: AZ

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 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
On XX/XX/2021, I sent Arcadia a letter asking them to validate a debt they are claiming I owe. I asked them to provide a breakdown of fees including any and all collection costs and medical charges. Also to provide a copy of my signature with the provider of service to release my medical information to them. They have responded on XX/XX/XXXX with just a summary of a bill showing charges I owe. They disregarded my request and kept sending the same paperwork. I have written to them twice in regards to this and they fail to respond properly. They have now stated that they will not respond to my disputes unless I have new information I need validated but they did not validate my letter the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: AR

Complaint narrative:
I have a credit card with Capitol One. On my statement they have a balance to pay off so twice I paid off the balance of the card on XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX I see on my statement an interest charge of XXXX, I called Capitol One. I ask them since I had paid off the balance why was there an interest charge. They told me that that they had be charging daily interest and that was not in fact the balance to be paid off that it said on the statement / website / app. So 4 days later they added up the daily interest and charged my card which meant it was not paid off. When I asked them why they do this the rep said it is " encouraged '' that you call in to pay off your balance. This is not on the statement anywhere. Nor is it on their site that you should " call in '' to get a final balance. So if you think you paid off your credit card, surprise you did not pay in full and then they will charge you 4 days later so the balance continues. This being the case if you never call in, because you didn't know you needed to, you could never pay off your credit card. They are stealing from their customers with shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I sent {$600.00} to Synchrony for a credit line of {$600.00}. For the 3 months Ive had the account, Ive made consistent and advance payments to keep a balance available for purchases. They are suddenly HOLDING a payment I made and declining new purchases even though a payment of almost {$400.00} has cleared my bank and they have the cash in their own bank account. They refuse to allow the payment to be applied to my account and have stolen it instead.

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 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank - Refinance property located at XXXX XXXX XXXX XXXX, XXXX  PA, XXXX County, PA., The existing mortgage was a PNC loan. PNC gave me 6 different refinance loan estimates. Most of these preliminary loan documents had errors including errors in my name, my initials, my aliases, my address, my work history. The loan was a NON escrow loan. The original closing estimate of XX/XX/2021 was {$6000.00} including {$1500.00} in closing points. 

On XX/XX/2021 I closed this non escrowed refinance and PNC charged me {$7900.00} in closing costs. That amount included {$2500.00} in property taxes. They also charged me {$84.00}, for home owners insurance even though I have paid my own insurance.

1 ) This was a non-escrowed loan so I asked why they were charging me {$2500.00} for school tax. I was told that was just what they do. They pay any unpaid taxes at time of closing.

2 ) The amount {$250000.00} was not the full amount of taxes owed. The total amount of taxes is {$3900.00}. I informed them of that.

3 ) I was told that I could not change the amount they were charging for school tax because it would take too much time and the loan guarantee was about to expire. They said they would pay {$2500.00} and I would have to write a check to the school district for the balance. I had to call the school district to make special arrangements for this.

4 ) PNC did not pay the taxes as of yet. As far as I know they have not paid the {$84.00} to my insurance company either. The School tax penalty kicks in after XX/XX/XXXX. 

5 ) I called PNC customer service on XX/XX/XXXX at @ XXXX. I was told that the account was not escrowed and so PNC wasn't responsible for the taxes. The person on the line did not have access to my loan closing documents. I asked to speak to someone else. I was put on hold and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had a HELOC loan with PenFed Credit for many years. It is in good standing with no late payments and frequent payoffs. I've started a construction process and am attempting to transfer money from this account but PenFed has frozen my account with no explanation. My account is active, in good standing with a perfect payment history. My credit score according to the PenFed site is XXXX. 

I have counted on this HELOC line of credit for years for various home improvement projects. It seems really unfair that PenFed has chosen to freeze this line of credit with no warning and no explanation. It is particularly unfair that PenFed has chosen to do this in the middle of a construction project.

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 2021-08-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Transfinancial Companies. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Collections, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Cascade Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ONLY responded with the info and history of the charge off. Equifax DID NOT address the complaint and remove the Paid in Full charge from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MS

Complaint narrative:
To whom it may concern, I had a debt with XXXX and the debt was sold to I.C Systems. The debt was in the amount of XXXX dollars. The gentleman I spoke with regarding the debt offered me a settlement of XXXX and assured me that they do pay to deletes. I kept notes of every payment made, recordings of all phone calls, and also every notice sent in the mail. My last payment with my account was on XX/XX/XXXX. The following week I called to make sure that my account was paid in full and the young lady assured me that it was paid in full and even sent me out a notice stating that it has been paid with a balance of XXXX. When I called today to see when the account would be deleted from my credit report, theyre stating that I now owe a balance of {$210.00} because XXXX has very strict payment arrangements. When I made my last payment with them on XX/XX/XXXX. I asked them if I still owed a balance then why wasnt the balance coming from my account because I had my account set up for automatic payments. She stated that no bank account info was on file. I thanked her and disconnected the call and told her that I would be filing a complaint because at this point theyre trying to get more money from me than what we agreed and I refuse to pay a XXXX more. If documentation is needed, I will provide 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 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
In XXXX  XXXX XXXX charged me after cancellation of a free trial. XXXX XXXX ( unregistered shell ) was the alleged app billing. I removed access to my debit card after being bilked and double cancelled in the app itself. These fraudulent charges show up on sundays (? ) Then they just trap you and refuse to refund the money to your bank account. XXXX 2= XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: MI

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2017, submitted all the necessary documentation of property ownership due to inheritance to the citys county and Banco Popular along with paying all the outstanding back taxes along with submitting my proof of income in order to get a new FHA mortgage loan approval on the property I signed the loan as owner of my property for the new mortgage loan but when I looked at my credit report I was not reported as me being a homeowner or even being an owner of my property along with paying for the loan and when I asked the bank why they responded the property was still in the name of my deceased parents and asked them hows that possible when I signed for the new mortgage loan not my deceased parents and they responded that I did the mortgage with loss Mitagition Dept not the change of ownership but I informed them the loan was under Banco Popular homeowners loan not loss Mitagition Dept they still insisted on me repeating the same process I did on XX/XX/2017 in order for to obtained the loan under my name which is unfair along with the fact the credit report will only show that I obtained the loan just recently when I fact I have been paying my loans faithfully as scheduled and I should received my due credit for paying my loan in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Sf/ Lead has enter my acct as negative info due to me filing a complaint with you about their credit builder practIce. I had thier credit builder to try boost credjt scroe and when i paid into this I was asked about their secure credit card and when I cancel the credit builder I still had THE scure card THAT was link to the closed acct., they refuse to list this acct as PAID. They've listed this acct shown below as SF LEAD ACCOUNT CLOSED AT CONSUMER REQUEST CLOSED. OR PAID BY COLLATERAL / VARIABLE ADJUSTABLE RATE WOW THEY ARE REALLY MAD AT ME AND THIS IS SO DIRTY ....

Company response to consumer: Closed with explanation