vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
1. Identity Theft PENTAGON Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft PENTAGON Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Requested an auto detailing business to clean my vehicle. The company did not clean the trunk or engine as agreed upon. When I discovered this oversight I called the company and requested to bring the car back so the services could be rendered as agreed to. The company refused to redo the service and said that they would give a refund instead. They did not provide the refund and I opened a dispute with the credit card company. They said that I should submit a letter describing the circumstances and signatures from two witnesses which I did. They did not give the credit for the charge and said that I should submit photos to support the claim which I did. They still did not credit the charge and said that I should provide a written statement from another auto Detailers on their letterhead describing the failed services. There are no Detailers that use letterhead they are not corporate size businesses and have only a few employees with no need for purchasing overhead cost of buying letterhead stationary. My credit card company is failing to provide protection from a fraudulent business and keeps giving me the run around and changing the documentation needed to prove my dispute from the services not received which keeps delaying this dispute which I opened in XX/XX/2020 a week after the services I was charged for by the auto detailer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
1 regional XXXX addr XXXX XXXX XXXX  XXXX nc XXXX i didnt have anything is sv with this company or anything .but i fine out is in my transunion credit report 2 exeter fin XXXX XXXX XXXX tx XXXX XXXX i have call this 2 company up and tell them take of my tranunions report but they still not do anything i belifive idennity teft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Thaxton Investment Corporation
State: AR

Complaint narrative:
I previously filed a complaint with Covington credit/SMC  due to inaccurate information on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX  could not provide validation so they removed it from my account but XXXX  still has not done anything about this. They responded to the complaint stating they mailed a copy of my signature which i did not receive and they did not provide with response. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint. If after this complaint it is not removed I will be seeking legal actions. Below i have attached the inaccurate report. From a report on XX/XX/XXXX with all three bureaus reporting inaccurately to the report from XX/XX/XXXX with only XXXX  reporting. Please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, we attempted to ascertain a 24 month payment history online to satisfy refinancing our mortgage loan but only one year is provided and you can not print the screen. So we made a document request online to Specialized Loan Servicing ( SLS ) for this information. We then followed up with a phone call. We asked that this document be faxed to us. We never received a document. We made subsequent calls to SLS ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) to advise we never received any document and requesting they re-fax, mail and email. We even provided an alternate fax number to no avail. 

On XX/XX/XXXX, we requested to speak to a supervisor and there was no available to address our concern. In the meantime, another request has been made and our refinancing has been placed on hold unnecessarily due to this delay. This is unacceptable customer service. 

Any assistance would be appreciated.

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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
ON XX/XX/2021 I received a notice from Shellpoint Servicing my mortgage company ( dated XX/XX/2021 ) in the mail. The notice said Shellpoint was going to add insurance to my mortgage as they had not received a copy of my insurance. ( Not true ) I sent them again a copy of my insurance. No call or email back from them. I went online and looked up my account and they deducted out of our tax escrow account funds for insurance even though I had already sent them everything they asked for. I have called in several times XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and each time the agent states that they received the proof of insurance and that it will take 48 business hours to cancel their insurance and put the funds back in my escrow account. I signed in again today XX/XX/2021 and the funds are still not in my escrow account. The agent again told me it will take 48 business hours and to check back Tuesday XX/XX/2021. Starting XX/XX/2021 they are going to charge me XXXX more on my mortgage payment each month to pay off their insurance. This is fraud.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXXI inadvertently paid my Bank of America credit card twice XXXX online ), using my Bank of America checking account. 
I called the bank asking for a refund. They told me the money would be credited with in 10 business days. It is now XX/XX/XXXX and the money has not been credited. 
I contacted the bank today and they said there was some kind of delay, but they could not check on it because it involves a no-contact department within the bank and there was nothing they could do except file another report which could take 3-6 more business days. I declined this option, this is a huge multi-billion dollar bank, one the taxpayers rescued at great expense. This kind of arrogance, and lack of customer concern is simply wrong. 
We are talking about {$630.00} heremaybe not a lot of money to some people, but it is to me. I would like my money back.

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 2021-06-18 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: IL

Complaint narrative:
Sent letter to transunion received XX/XX/21 regarding bankruptcy on my file and TU replied XX/XX/21 bankruptcy was accurate. So on XX/XX/21 I sent request for the method of verification for a bankruptcy showing on my file and and replied on XX/XX/21 file # XXXX that it was verified by data furnisher which is XXXX XXXX. Went directly to XXXXXXXX to investigate and on XX/XX/21 XXXX couldn't verify the bankruptcy and deleted from there file. On XX/XX/21 sent infomation to transunion that there is no bankruptcy on my XXXX file that you must delete this information because its unverified. Sent letter from XXXX to confirm deleted information from there file, and on XX/XX/21 transunion sent letter with file # XXXX that information was verified as accurate. How after XX/XX/21 can transunion verify something that is not on XXXX file as accurate? Either they lied or never sent information to XXXX  for verification.

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 2021-06-18 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: Kriya Capital, LLC
State: NY

Complaint narrative:
1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX I went to XXXX  XXXX in XXXX, OH, where I had purchased a car in XX/XX/XXXX. I met with the salesman, XXXX XXXX, we had used before. I test drove a couple of vehicles but felt that since he was trying to put me in the most expensive vehicle, according to my income, instead of listening to what I wanted, I was going to go elsewhere. And even though that day I never gave him my credit information, nor did I authorize a credit check, he used previous transactions to get that information and run a hard credit inquiry on my report. I have requested them to provide where I consented to the credit check ; filed a complaint with the XXXX, which they responded to and stated, they would resolve with me. Then sent me a letter that they were not going to send me anything or remove the inquiry. I have no issue with hard inquiries when I ask for them and am aware of the difference between hard and soft inquiries. As I have been working on my credit score, I would NEVER have a report run unless I knew I was going to buy a car at the dealership, as I did in XXXX at XXXX XXXX when we purchased my son 's car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
We have a string of fraudulent transactions totaling approximately {$470.00} that the bank refuses to refund. We are able to provide documentation proving we were not present at the time the charges were made, but the bank refuses to accept our evidence or make any corrections.

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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
We are again being given misleading information and they are intentionally. Who is the investor on our loan, we were told XXXX XXXX is the investor and they denied our request for fixed mortgage term. We received Trial Modification plan XXXX we made our trial payment and the 1st mortgage payment. Received final modification agreement which included a balloon payment term. We called the mortgage company spoke to XXXX ID # XXXX he stated Quality Control Team will be looking at other options. He said the Investors are XXXX XXXX also known as XXXX XXXX XXXX, made the decision to deny the modification. We did not have a balloon payment with our previous mortgage before they modified the mortgage to a balloon term. We were told to resubmit all mortgage assistance documents again so XXXX XXXX could give us a fixed term mortgage. We have resubmitted the required documents and now they have denied our mortgage assistance request and said we have excessive inquires, credit limits on credit utilization is high. We have read in mortgage assistance articles XXXX  XXXX  XXXX XXXX credit is not to be used as the criteria to provide mortgage assistance. Also we call to asked our mortgage assistance request. Documents in our possession reflect XXXX XXXX XXXX XXXX is the investor on ouying to make us lose our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Multiple phone calls to my husband, in-laws, myself, and my workplace between XXXX XXXX-current. 

One threatening letter. 

The accusation of debt is false and the account number is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My debit card was restricted because I was told I violated my debit card policies and procedures. When asked in what way nobody was able to provide an explanation. Any claim that I filed was substantiated and proven. I am being targeted and economically harassed. I asked that my concern be reexamine and left a message for a manager to call me back for the sixth time. NFCU is one of the largest credit unions in the country and they are abusing that power by not providing ANY recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. 
i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I mailed a validation request to PRA on XX/XX/21. It was received by PRA on XX/XX/21, according to mailing records. In that validation request, per Federal Law, I requested : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, and the original creditor if not the same ; ( 3 ) provide verification or copy of any judgment ( if applicable ) ; ( 4 ) proof that you are licensed to collect debts in North Carolina, and, provide the license numbers and Registered Agent ; ( 5 ) an explanation and showing of how you calculated what you say is owed ; ( 6 ) provide me with copies ( complete copies ) of any papers that show I agreed to pay what you say I owe, especially any original contracts ; ( 7 ) provide that the Statute of Limitations has not expired on this account. Today, XX/XX/21, I receive a one-page " summary '' that does not provide close to enough information to even constitute a validation of any " accounts '' in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
They told me to fax an pics I did it multiple times I am tired dealing with equfax file lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was denied credit and found USAA Bank Fraudulent account on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I called Sunrise Credit Services, I explained that they did not have my updated address or email address. They did not provide debt validation, I was not aware I owed this debt and they reported negative on my credit report. I kindly asked they delete this from my report and they declied to removed. This is for sunrise credit account # 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