vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: Bridgecrest Acceptance Corporation
State: NC

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

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 2021-03-01 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: FL

Complaint narrative:
on XXXX i requested a method of verification with Transunion for the following inaccurate, unverifiable, obsolete account XXXX XXXX XXXX # XXXX they failed to verify it, this is a violation. I am extremely sad and stressed. XXXX XXXX XXXX of 1974 - XXXX XXXX XXXX section XXXX. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents. 
A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) statutory damages of {$1000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. I.R.C. 7431 ( c ). 
I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX  XXXX showing on your credit report. 
I therefore request that you remove immediately this XXXX from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2021-03-01 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: AL

Complaint narrative:
On XX/XX/2020 I sent in a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reasonable to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly. I demand these accounts be deleted immedetily or I will file for litigation due to the stress you have caused. My information was impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX, I asked to close my accounts through Live chat, and there are XXXX pending tranactions ( This XXXX tranactions were the checks i deposited to XXXX XXXX  ) .I asked the customer service if there would be a probem to close the accounts since the tranactions were not clear, and the customer service told me there would no problem and close my accouts. This caused my accounts blocked and the checks which i deposited to XXXX were returned. 

The worse thing was that I used the money which i deposited to XXXX and returned back to Citi, so i tried my best to pay XXXX money back or XXXX would tranfer the debt to the collection. 

After this, I made a lot of calls to Citi. the customer service told me that Citi would mail me the check in 7- 10 days, but now XXXX weeks past, I did not get the refund. and i dont know when i will get 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 explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC
State: MO

Complaint narrative:
They have called six times in XXXX on XX/XX/XXXX on what they said was a recorded line I informed them not to contact me again. On XX/XX/XXXX on what they said was a recorded line I told them I had previously instructed them not to contact me again and again told them not to contact me. On XX/XX/XXXX XXXX and XXXX they called again. Thereby violating the fair debt collection act by continuing to call after having been instructed not to In addition they have never sent any kind of notice of the XXXX Ill give it any kind of notice of a right to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TX

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is an auto account listed on my credit report that is in-accurate or reporting incorrect information. This is negatively impacting my ability to attain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Riehlman Shafer and Shaw LLC
State: NC

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

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'M HAVING ISSUES GETTING MY PERSONAL INFORMATION UPDATED WITH THE CREDIT BUREAUS.

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 2021-03-01 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: PA

Complaint narrative:
I'M HAVING ISSUES GETTING MY PERSONAL INFORMATION UPDATED WITH THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 HONDA FINANCE CORP
State: NJ

Complaint narrative:
American Honda Finance Corporation has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that American Honda Finance Corporation provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that American Honda Finance Corporation provide proof that they sent these emails in which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX I tried to purchase XXXX XXXX from XXXX XXXX in the amount of {$10000.00} or a XXXX coins I was charged {$100000.00} on my American Express Card. When I found out what I was charged I disputed the charge with XXXX XXXX on XX/XX/XXXX for refund due to the over charged amount. After multiple conversation with XXXX XXXX on XX/XX/XXXX I was told I should have received a refund. 

I also contacted American Express who told me that the money would also be refunded as purchasing crypto currency is not an allowed transaction. To date I have not received a refund from either American Express or XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: MI

Complaint narrative:
Hello, I recently sent in disputes to Equifax on XX/XX/21 and XX/XX/21 and have not received nothing in email or in the mail I tried contacting them multiple times but nothing has changed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted Equifax and explained to them my credit profile is incorrect regarding my XXXX XXXX account. I was told by Equifax I need to contact the creditor. I spoke with a Manager at XXXX by XXXX XXXX and was told they will submit a case. I explained based on the FCRA everything on my report must be accurate and verifiable. Equifax and XXXX XXXX did the opposite, rather than following the law, they just corrected the information which they can't do because it was incorrect on my report. I submitted disputes XX/XX/2020 with No resolve I added the attachment to show proof of the violation. XXXX shows how it was recorded XXXX shows the report adjusted. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: NV

Complaint narrative:
Capital Management Services , LP has a case of FRAUD. Stealing my information and reporting it on my credit report. I ask they delete this immediately. During a pandemic I have had my personal information jeopardized. Please have them delete all false and fraudulent claims off of 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 explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
We were financed thru loan depot, then we refinanced thru XXXX XXXX they paid off our home loan at loan depot on XX/XX/2020. Then loan depot put a late payment in XXXX on our credit report for XXXX. Now We have that on our credit report for late payment witch never happened. Then we also bought a car which in turn made us have to have a higher interest rate.. They need to take that off our credit report and give us a letter to take to our bank to fix the interest rate on the car. Please contact me Because they never will several times tried left on hold for 30 to 45 mins then disconnects Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I recently closed my Wyndham rewards card from Barclays. Following the closure of my account it turns out the bank reopened my account without my approval in order for Wyndham to bill be for an auto payment I had set up earlier when I was coerced into buying a timeshare. I had also requested to end the auto payment from being withdrawn from this account as well. I had closed the credit account at the end of 2020 and just received a new statement from this new unauthorized account on XX/XX/2020. 

Essentially Wyndham fraudulently opened a new account in my name in order to bill me for its services. This isnt a one off occasion, if you go online to timeshare user groups you can see that this is their policy with closed accounts.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX was taken from our escrow account to pay city taxes. This amount never made it to the city for payment. We reached out 7 times once we were notified by the city of the non-payment to find out where these funds have gone, and have still not received an answer. On XX/XX/XXXX an ADDITIONAL XXXX was taken out to pay for the XXXX XXXX payment of city taxes. This amount was received by the city and the XX/XX/XXXX check was cashed. Since XX/XX/XXXX we have reached out 13 separate times to try to get the initial XXXX back. ( Including a complaint through CFPB where LoanCare said they had already returned the XXXX, which was not true ) The initial XXXX was taken from our escrow account and was not used for taxes. The customer rep we spoke with said the initial XX/XX/XXXX check was never cashed and said they put in for a stop-pay on the check. We were told the funds would be back in our account by XX/XX/XXXX, when the funds weren't returned, we were told they would be back by XX/XX/XXXX, again no funds were returned. Now, no customer representatives will answer when we call, and we have called 13 times and filed 5 different contact forms. No one from LoanCare will answer where our money is and when we will be getting it back. 

Please return the initial XXXX payment that was not used for taxes.

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
This is a separate complaint from the other one I filed today, XX/XX/2021. After speaking with a representative from this phone number earlier and requesting once again to be removed, they called me again at XXXX PST. I did not answer, but they have continued to call despite my repeated requests to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2021, both my husband and I first tried to make a principal payment on our home mortgage on Loan Depot 's online portal, loandepot.loanadministration.com. Each of us were informed on that website that the payment did not go through, and to call XXXX XXXX XXXX XXXX. I then called that number, and spoke to XXXX. The call lasted 47 minutes. XXXX at Loan Depot informed me that I could not make a principal payment on the loan because there was a " stop '' on our account. The only way to remove the stop is to email the Loan Depot research team to get the " stop '' removed. The " stop '' is a code which apparently requires certified funds or a money order for payment. The alternative is to mail in certified funds or a money order ( which can only be obtained by going into a bank during Covid ), and then mailing that payment to them. XXXX informed me there was NO ONE available who could remove that " stop. '' The only remedy is to email the Loan Depot research Department, which effectively prevents us from making our principal paydown today. I have emailed the Loan Depot Research Department and predictably have received no response. 

Moreover, we make our monthly mortgage payments to Loan Depot directly from our bank through ACH and have never been late on any payment. We have excellent credit. 

It appears to us that Loan Depot is attempting to preclude us from making a substantial principal paydown. 

We are requesting that the CFPB investigate this interference with our attempt to make a principal loan reduction. 

Thank you.

Company response to consumer: Closed with explanation