vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
in XXXX XXXX XXXX - while in an active XXXX XXXX - my husband and I needed a newer car. 
The trustee allowed us to assume this new debt. The only lender the car dealer was able to find willing to finance us being in an active XXXX- was Exeter Finance- out of Tx. 

When I did not get my statement in XXXX for my first payment - I called them. They said because I was in an active XXXX XXXXXXXX they were not allowed to send me statements. My XXXX attorney issued a letter saying that I needed to have statements- and I realized receiving them was not attempt to collect a debt. 
However they refuse to send me any info regarding my loan. I was told by one person I spoke with in XXXX that once the XXXX XXXXXXXX was officially discharged they would allow me access to my account. When I called yesterday as I could not log on- they said because of the XXXX XXXXXXXX I would never be able to see the activity on my acct for the life of the loan. 
I am now looking to refinance- and have learned that this loan is not on mine or my husband 's credit report. I called them again- and they said because of the XXXX  XXXX their policy is not to report it to the bureaus. 
I feel this is all very suspicious. I have a loan - that I have no idea what I owe - if my payments are being processed - and the loan has not been reported to the credit bureaus. 
It seems that this is illegal. 
I need help - repaying this loan would help my credit score after the XXXX- and now it's hidden from view. How can I refinance when a new lender can not see it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
Trans Union deleted all my accounts on the report. I am only showing one recent 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 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of Inquiry XX/XX/2021

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 2022-01-12 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: AL

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX ( I XX/XX/2020, XXXX & XXXX XXXX XXXX XX/XX/2020, XXXX - XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several

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 2022-01-12 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: TX

Complaint narrative:
There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: AL

Complaint narrative:
I've been a victim of identity theft. The inquiry listed should be removed for these are fraudulent. XXXX XXXX XX/XX/2020.

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 2022-01-12 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: DISCOVER BANK
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
Hi, I sold my property in XXXX XXXX, VA in Mid XX/XX/XXXX. I have not received the refund of my escrow account yet. The amount to be refunded is {$5200.00}. 

I have emailed twice and spoken to " The money source '' - loan servicer thrice. The first time was in XXXX and was told that they check was sent to the previous address rather than the new address ( although in the closing document I had stated where to send the check ). I spoke to them again around mid XXXX and was reassured I will receive it in 2 weeks which did not happen. They confirmed the new address. I called again today ( XX/XX/XXXX ) and was told that they have sent a request to refund again and I spoke to " XXXX ''. He refused to give me his last name. 

I have been going back and forth for the last 3 months and I am frustrated with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$8300.00} XXXX XXXX XXXX USA XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach JPMCB in XXXX. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: AL

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2022-01-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: NV

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 explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$440.00}

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 2022-01-12 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I went to the hospital because I was having difficulty breathing and spitting up blood, I paid for the services with health insurance ( I worked for and had insurance through XXXX, a pharmacy chain ) over the phone with the hospital and they accepted it but I'm still being charged {$1900.00} for services I already paid for. If it's not usable what's the purpose of paying for health insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
As a senior citizen I open a Title Loan # XXXX with XXXX XXXX to pay for my wife 's emergency medical procedure. I did make all payments on time as agreed in the contract. Since XXXX of 2021, I have been trying to pay the loan, XXXX XXXX made it difficult to pay while the loan is accumulating interest at {$14.00} per day. On XX/XX/2021 I attempted to pay {$6700.00} XXXX XXXX only accept {$4000.00} and forced me to defer the remaining balance of {$29000.00} for XXXX more days while interest of {$14.00} continued. I final paid of the Loan on or about XX/XX/2021. I sent a letter to XXXX XXXX requesting a refund for over payment and was ignored. ( see attached ) Since I never received a respond, I contacted my Bank and requested to dispute {$1000.00} from the {$2900.00} paid. XXXX XXXX reinstated the loan and send me bill for {$1900.00} and I received numerous threaten phone calls from XXXX XXXX to do great badly harm to me and my family if I don't pay. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never received a letter from Capital One on XXXX XXXX or my address in Wisconsin. I have no way to contact merchant and I did not make these transactions and want these items deleted and not recharged again. The merchant will not respond and I have no way to reach merchant or cancel. The merchant will not respond. These were receiving charging which I did not authorize. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: FL

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 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 2022-01-12 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: ID

Complaint narrative:
I was contacted by NCAXXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from XXXX XXXXl in XXXX  XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. NCAXXXX  is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from NCAXXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: MD

Complaint narrative:
There are XXXX inquires on my Equifax Credit report that are fraudulent, I have tried to dispute these inquires with the credit reporting agency, however I was unable to get a resolution from them. I am writing to dispute these three inquires on my credit report listed below that are fraudulent. 


XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requestor : XXXX XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX Address : FXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Requestor : XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: MO

Complaint narrative:
I have been with Capital One for a long time. I have asked repeatedly to lower my interest rate. My bill is due and I pay on the 13th of each month as soon as I get the statement. I also pay extra on it each month. They can't tell me why they will not lower the interest rate and I have never been late on paying the bill. Now I see that the fed reserve is going to ask to raise rate once again and for no reason other then they can Capital One will raise my rates. I wish you would look into why Capital One will not lower a good customers interest rates and put a stop to them being so low end company that a person who pays on time and why early and extra that this company will not and does not do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CT

Complaint narrative:
I have been trying to get my credit freeze with Equifax lifted since XX/XX/2021. I am locked out of my account and when I finally got through to the call center in the XXXX they keep telling me I am not verifying my identity correctly. I confirmed five questions on the phone about my credit history, I confirmed my name, date of birth, emails address XXXX street number and zip code. I then verified a code they sent to my phone ( the phone number was separately verified ) twice and the agent said I didn't give the correct code. They then sent me a link to return picture of my drivers license. I did this twice with my XXXX XXXX and took crystal clear pictures with no glare. They rejected them all. I asked to speak with a manager and the agent hung up on me. I need to buy a computer today at XXXX, and I need the line of credit to get the extended warranty. I was also part of the data breach that happened several years ago. This is entirely unacceptable and I would like to see them disciplined for their negligence and inaction.

Company response to consumer: Closed with explanation