vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: TX

Complaint narrative:
This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2021-02-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated XXXX XXXX Credit line inquiry on XX/XX/XXXX - called and company will close application XXXX XXXX XXXX Credit line/loan inquiry on XX/XX/XXXX - Successful- charged {$610.00} loan - company submitted fraud application to be investigated by company JP Morgan - Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
i applied for XXXX XXXX  visa card inXX/XX/2021. i then rec 'd letter from XXXX XXXX  dated XX/XX/21 saying that, due to freeze placed on my sagestream report, they could not verify my credit, so they rejected my application. i dont know who they are, why there is freeze, and why one of the 3 bureaus ( XXXX XXXX XXXX ) wasnt used to run my credit. i then attempted to contact sagestream llc online and via phone. there is no way to reach human, phone is recording only. i then contect XXXX since they sent me the letter and apprarently work with sagestream llc. the person in " new accts '' i spoke with via phone at XXXX claimed that they had no idea who sagstream is and cant help me. he also said they use the big 3 bureaus so he couldnt tell me why XXXX sent me letter saying sagestream was used. i also ran my own credit reports at XXXX XXXX XXXX - there are no freezes and no issues that i can see. i also see on XXXX that sagestream has recd hundreds of complaints over last 3 years. same issue. they are totally sketch and need to be investigated now. as part of that investigation, their relationship with these banks needs to be thoroughly investigated. this feels like a joint effort to systematically deny credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
XXXX XXXX NMLS ID # XXXX from Amerisave Mortgage Corporation told me and my wife to sign lots of documents online saying my application has been pre-Approved for refinancing my mortgage. He did not provide me any documents what we signed. He made me pay {$500.00} for appraisal fees saying I am not going to loose any money because I am already approved for the loan. After the appraisal he send me another documents to sign. I found this is an initial application for the loan. In short HE LIED me and took all of our confidential information over the phone and in his email saying I can not complete an online application and wasted my {$500.00}.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I applied for a mortgage refinance with AmeriSave Mortgage on XX/XX/20. 

3 1/2 months later we still have not closed on our new loan. They provide virtually no answers other than " we have escalated your file '' and now have stopped responding to emails and phones call in the last week. This was after already asking for a manager to contact me. 

I have provided documents as soon as they were asked for and there hasn't been any reasons given for the delay. I feel like I have been scammed out of a {$500.00} application fee plus a new flood insurance policy that I purchased for the refi.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/XXXX I spoke with a representative from Credit Control Corporation, a third party debt collection agency. I requested a 30 verification of debt from an alleged non payment to XXXX XXXX. This did not get to my address recorded on file per a member of staff working for CCC named XXXX. XXXX was extremely rude and had a bad attitude for most of the call because she knew her organization was at wrong and attempted to raise her voice and intimidate me for the institutions incompetence. She stated on a recorded line that CCC received the mail back from USPS as a bad address. My mail is forwarded from that previous address to my new address, no problem in fact they sent me a separate debt for medical debt which I paid promptly after receiving correct verification. They are now reporting negatively against my credit. They are doing this after they have been made aware of the FDCPA violations. I spoke with a representative today on XX/XX/XXXX and I have not received any word from this institution. I would like a thorough investigation of FDCPA violations for this institution. I would like a letter of deletion from credit reporting and no further attempts to collect this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I cant view or monitor my Equifax credit report. I continue to call into the XXXX and placed on holds with XXXX customer service from Equifax. I was apart of the data breach and part of my settlement is to have the ability to view and monitor my credit report. Equifax keeps taking away my ability to view and monitor my report which is a breach of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XX/XX/2021, I've contacted Bank of West at XXXX regarding " Lien Release '' charge SB2 for {$75.00}, they gave me order number " XXXX '', then XX/XX/2021, I've contacted them again, talked to their supervisor Mr. XXXX XXXX, and he asked me to send the documents with fax to XXXX, I did that on XX/XX/2021 and follow up with them onXX/XX/2021, but unable to talked to Mr. XXXX XXXX, then I called again onXX/XX/2021, this time I've talked to XXXX, she said their company has denied my request since I have to deal with the XXXX County and ask them to get the refund. As I have explained to them several times : The Bank of West has failed to mention to XXXX County that this is an " Owner Occupied Property '' and should be exempted from SB2 charge. But they just refused to admitted their mistake and refund the {$75.00}.

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 explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Continuation of Complaint # XXXX You closed my complaint solely by relying on the documents Infiniti provided. That is wrong. I did not request copies of the documents I already possess. I filed a complaint because my decision not to have minor repairs on my vehicle at the time of lease return was a result of misinformation, wrong guidance, wrong advice I received at XXXX Infiniti dealership. Infiniti hires advisors to assist laymen like me at the end of the lease return, and their job is to give a consumer like me accurate information and advise of possible additional charges, if any. I took the time to take my car to XXXX Infiniti to avoid these charges. And I was advised that there would be no charges. I was misguided and misinformed and relied on that information. I trusted the dealership advisors, took his advice to return the vehicle as is. 

I am aware of all the documents Infiniti provided here. The issue is not the documents, the issue is XXXX Infiniti dealer advisors, where I took my car and they told me that there would be no additional charges, they inspected my car at the dealership and told me that. I am not crazy. I am not making this up. I don't have to. The problem is the Infiniti dealership giving me inaccurate and misleading information at the time of visual inspection. XXXX Infiniti misguided me and gave me wrong information and misdirection. If they did not tell me the vehicle was fine to return at the condition it was at that time, I would have paid then and had it fixed instead of returning it in the condition it was. By simply providing me with the copies of documents that I already have, Infiniti did not address my concern. I request explanation ; because of the misinformation I received from the advisor at XXXX Infiniti dealership, I relied on that information and returned my vehicle the way it was. I trusted the advisor. I request an explanation as to why the advisor working in XXXX Infiniti misled me, and gave me wrong advice and information as to the condition and possible additional charges at the end of lease return? Because of Infiniti advisor 's actions I incurred these charges. I know better than that to have some issues fixed to avoid such excessive charges. This is not a response to my inquiry and request. This is simply covering up an issue of Infiniti hiring wrong advisors and allowing them to XXXX people up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a letter from ACI attempting to collect a debt for XXXX. As I do not have any outstanding debts with XXXX, I sent a letter requesting validation. In return, I received a letter from XXXX stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. XXXX refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the XXXX account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from XXXX even though this is supposedly my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
My credit is being ruined by a false bill generated when I initiated a contract back in 2016. The company had a promotion that you could take the phone and tablet back if you didn't like phone service. So the phone service was horrible and didn't work as advertised in XXXX, which is where I needed it. I returned the devices and told the store that they would handle the account and close it with no charges. Years later, I find out they have placed this account into a collection status with a Diversifified Adjustment Services Inc. I have called XXXX to resolve the issue, but they refuse to speak with me and give me a breakdown of the charges. The only thing the company will provide is a bill that states I owe them but doesn't state what services were rendered or their associated costs. They are literally making the numbers up and won't justify nor speak to me about the charges. I know this has to be highly illegal, if not extremely unethical.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing in today in regards to my account with Capital one account # XXXX. I am writing today in regards to the two late pays reported on my credit file in XX/XX/2020 and XX/XX/2020. Due to Covid I had an issue making the payments as soon as I was able to I got those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
After reviewing my most recent credit report, TD Auto Finance has : 1 ) continues to report although they have charged off the account and has the unpaid balance reported as a loss by credit grantor. How can they continue to report.

2 ) shows that the last payment received was in XXXX, 2019 but they repossessed the car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
An account with XXXX speedy cash is on my credit report and I did not open a account with them the amount owed is XXXX it was opened in 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MD

Complaint narrative:
Transunion is reporting inaccurate information on my credit report i have submitted an investigation and they refuse to investigate they claimed it was verified with the US Bankruptcy court i have also attached a letter from the court stating they do not did not verify or validate any or anyone 's bankruptcy and yet they refuse to correct the error

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
This company, Receivable Performance Management, keeps calling our company phone about a debt collection. They have no point of contact and keep asking for the owner of our company.

This company, Receivable Performance Management, will not provide any information about the debt or details from where there information came from. We have told them many times that we will not release any information from our company and this appears to be a fraudulent call. We have also informed them that the phone number they are calling is on the Federal Do Not Call list.

The person who made the most recent call was XXXX XXXX. We would request that someone follows up with Receivable Performance Management to stop harassing our firm.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had filed a dispute with Bank of America, who is responsible in distributing my funds from unemployment. Someone withdrew {$800.00} from my account XX/XX/XXXX of last year, I had filed a dispute and it was ultimately approved and was deemed permanent in XXXX. On XX/XX/XXXX, Bank of America froze my account putting the blame on XXXX, which was entirely false. When they froze my account the original claim that was permanent was taken back from me and I received a letter in the mail saying that because of the account being froze the claim was closed and the credit will be taken back. I have been back and forth with them for months over this issue, and once again they had frozen my prepaid account in XXXX and just now reopened it over the weekend. They have not resolved my dispute and I just now had to refile the same claim for reconsideration that I have been fighting for months. I would like assistance in this matter because they are taking advantage of me and making me run around in circles.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America locked my account the day after I submitted a claim in which an ATM I used didn't dispense the amount I requested. The claim was closed due to " fraud '' with no official investigation. Bank of America has stated that XXXX will need to verify my identity before they can unlock my account. This has already been done, and XXXX has submitted a request to unlock my account, but Bank of America still refuses to unlock my 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 monetary relief