vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: MD

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EQUIFAX. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C XXXX ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) 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 who he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Good day. On XX/XX/2021 I received a communication [ NOTICE OF SERVINGS TRANSFER ] from LOANCARE. I followed the instructions and tried to make my mortgage payment too XXXX XXXX via the website but to know avail. On XX/XX/XXXX I sent a RESPA REQUEST AND REQUEST FOR VERIFICATION OF DEBT VIA certified Mail receipt. As of this day I have not received a response back. I continue to receive threatening calls from XXXX XXXX  REQUESTING FOR PAYMENT WITHOUT SENDING ME A HELLO LETTER IN VIOLATIONS OF XXXX XXXX XXXX  transfers. I CONTINUE TO CONTACT LOANCARE and they continue to give me the run around. They will not respond back to my certified mail request for validation and verification. Now LOANCARE and XXXX XXXX is demanding for payment.

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 2021-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Having problem paying mortgage due to XXXX. I have reached out multiple times to finance company ( XXXX ) over a 3 week period and hold time exceed 2 hours. Once I finally get someone on the phone I am transferred to another department that does not answer. The phone just rings continually. I asked for a number to XXXX XXXX XXXX and was given a phone number ( XXXX ) and calls goes to voice mailbox that states the mailbox is full. I am in need of immediate assistance and desperately need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: MI

Complaint narrative:
I have sent numerous letters via certified mail disputing XXXX inaccurate item that remains on my credit reports. I have asked for verification of the account and have not been provided with that per my FCRA rights.

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 2021-12-02 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: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I DID NOT AGREE TO ANY CONTRACT. THE CONTRACT LISTED IN THE ATTACHEMENTS WAS SIGNED WITH XXXX  BEFORE MY SIGNATURE MEANING I DO NOT AGREE, UNDERSTAND, OR READ ANYTHING IN THE CONTRACT. I WAS NOT PROVIDED A ORIGINAL COPY OF THE CONTRACT WITH A WET INK SIGNATURE. House Joint Resolution XXXX PUBLIC LAW 73-10,15 USC XXXX692c,15 USC 1692a,15 USC 1605,15 USC 1692e , 15 USC 1692XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: DC

Complaint narrative:
U.S Bank issued me a XXXX debit card ( U.S. BankReliaCard ) for unemployment benefits. I did not request this card nor have I filed for unemployment. I've tried to report this to the XXXX XXXX XXXX XXXX XXXX XXXX but I'm not certain that I was able to. 

On XXXX, I called XXXX XXXXXXXX XXXX XXXX, got the automated line, and selected the option for the U.S. BankReliacard. I spoke to whom I believe was a US Bank representative who said she deactivated my account. I say I believe she was with US Bank because it took her very long to respond to questions and she did not seem certain or knowledgeable about her responses ... Not very professional. She did not provide a case number and said that " authorities '' looking into this could access the info with the account number that was opened under my name. 

The XXXX unemployment benefits card/unemployment benefits was requested -- not by me -- more or less on XX/XX/2021. I received the card in the mail more or less XX/XX/2021 ( I was on vacation/out of town and got the card when I returned on XX/XX/2021. ) U.S. Bank says that the card had not yet been activated or used. 

In XX/XX/2021 ( more or less ) I initiated a security freeze after learning that XXXX was hacked and their customer 's account info was stolen. 

I also received a letter from XXXX XXXX saying that my request to open an account ( can't tell if it's a bank account or credit account ) was denied. I never contacted XXXX XXXX to open an account. The letter was dated XX/XX/2021. I called XXXX XXXX and informed their Customer Advocacy department. My case # is XXXX. Thankfully, they denied " my '' request for an 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 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I paid my auto loan off in mid XXXX. I have been requesting a lien release letter from TD auto finance since XX/XX/XXXX. I have had the issue escalated XXXX separate times and I continue to get no help or answer to resolve my issue. I need this letter in order to obtain the title from the DMV. TD auto finance is not complying with my request and I am currently out about {$17000.00} ( on a depreciating asset ) and I can not do anything. I need a lien release letter and they are refusing to handle the issue or send me a letter. I have spent XXXX minutes on the phone on XXXX different occasions with TD auto finance customer service and they are doing nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I open account with Regions bank I deposited XXXX $ in the account a week later I got a letter saying I owed money to the bank and the XXXX was taken I called couple of times no response or returned called I finally got ahold of a manager at the branch name XXXX XXXX Saying there was no other account for me with a previous balance also the manager by the name of XXXX XXXX open the account for me And did it see anything as well if I owed any amount it wouldnt never let me open up a account according to both managers they neither one saw anything this happened In XXXX and just now being addressed Ive got emails about the account being open ending in XXXX No debit card or anything

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 2021-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB Management keeps calling my phone and they have placed a collection on my account. The phone calls are everyday and my voicemail is always alerting me they have provided no proof of this debt and now they put a collection onto my credit report has really hurt my score I was in the process of trying to buy a house and out the blue here they come.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Social Finance, Inc.
State: TX

Complaint narrative:
SoFi loan number Loan # : XXXX Loan was paid in full {$14000.00} payment on the SoFi loan listed above. Confirmation number is XXXX on XX/XX/2021. 

As of XX/XX/2021 SoFi has not reported the correct loan balance of XXXX to any of the credit reporting agencies. XXXX with SoFi they responded that they have up to 30 days to report the loan completion. 

SoFi slow reporting violates the FCRA requirements for accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

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 2021-12-02 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: MS

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for the wells Fargo cash advance credit card XX/XX/XXXX and deposit a balance transfer check of {$16000.00} I received in mail on XX/XX/XXXX from Wells Fargo cash advance credit card department following the instruction provided by their customer service rep. 
It was cleared on Sunday XX/XX/XXXX and I started to pay off other credit cards and bills on XX/XX/XXXX like the customer rep suggested.But it turned out Wells Fargo Credit Card Department voided the balance transfer check later on XX/XX/XXXX which resulted a {$9500.00} cash advances kicked in my Wells Fargo due to that Wells Fargo balance check voided. 

So, I went to the branch at XXXX XXXX XXXX, XXXX, Pa for help and private banker XXXX helped me escalate the case on XX/XX/XXXX and she called me back 2 weeks later as she promised and told me that the issue was resolved, all the overdrafted fees were waived and the {$9500.00} cash advance was corrected to balance transfer like I initially planned. Also, I was told that there would be no interest will be charged and I could complete the remaining amount of {$6800.00} ( $ XXXX- {$9500.00} ) balance transfer and take advantage of the 0 % interest if I want.So, I did the balance transfer of {$5900.00} on XX/XX/XXXX. However, I realized there were intrest charged and has been calling for having the issue resolved. Wells fargo refund intrest of {$540.00}. 46 but refused to refund the remaining intrest of {$1300.00}. 89. To avoid being charged continuesly, I ended up paid off all the balance transfer and the cash advance on XX/XX/XXXX since the banker told me any extra payment I made every month would paid towards balance transfer amount only but not the cash advance balance and I could not just pay off the cash advance balance first. I have submitted complains to their escalation team more than 4 times and just received their last final notice from XXXX XXXX. from Executive Office Case Specialist on XX/XX/XXXX and they still refuse to refund all the intrest they charged. Also, the last case was assinged to XXXX XXXX on XX/XX/XXXX before I received the letter. I had options to use other bank 's balance transfer benefit and also resolve the cash advance intrest charge if they did not tell issue was resolved and their misinstruction to begin with. So, I demand them refund me the remaining of intrest of {$1300.00}. 89 they unfairly charged.

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 monetary relief
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  NXXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation