vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Henry L. Robertson PLLC
State: TX

Complaint narrative:
* Henry L. Robertson d/b/a Attorney for XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX, stole private property owned by the consumers Trust claiming the consumer owes a debt, proceeded and took legal actions against the consumer on violating 15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

* Henry L. Robertson d/b/a Attorney did not communicate with XXXX XXXX XXXXXXXX, the consumer about obtaining his place of abodes location, violating15 U.S. Code 1692b - Acquisition of location information * Henry L. Robertson d/b/a Attorney did not receive oral or written consent to contact consumer regarding any debt, violating 15 U.S. Code 1692c - Communication in connection with debt collection * XXXX XXXX XXXX d/b/a Attorney proceeded and sent certain deceptive forms to the consumers place of abode on XX/XX/2021, and XX/XX/2021, violating 15 U.S. Code 1692j - Furnishing certain deceptive forms * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX all XXXX cease and desist orders issued on XX/XX/2021, XX/XX/2021 and, XX/XX/2021 by the consumer, violating Federal Consumer Law , according to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication, * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has used deceptive and unconscionable means to collect a debt , violating15 U.S. Code 1692f.Unfair practices * XXXX XXXX XXXXXXXX the consumer is entitled to damages according to, 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the XXXX major bureaus ; Transunion, XXXX, and XXXX, and only 1 from XXXX XXXX Bank belongs to me. Transunion, XXXX, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX  XXXX XXXX on XX/XX/XXXX reporting to Transunion and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX XXXX XX/XX/XXXX reporting to Transunion as well as some inquiry from XXXX XXXX XXXX XX/XX/XXXX. On the same XX/XX/XXXX XXXX also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.

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 2021-09-14 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: NC

Complaint narrative:
I sent a dispute letter to the company on XX/XX/21. As of today I have not received a response about my disputes. I also sent demand to comply letters on XX/XX/21 to this company and still have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: LoanCare, LLC
State: HI

Complaint narrative:
Back in XX/XX/2020 when COVID-19 had recently begun my mortgage was in a Forbearance program with XXXX/LoanCare because I was having some difficulties paying my mortgage. My son was helping me pay the mortgage but with COVID coming on the scene he got laid off. 
It was around this time that I was contacted by XXXX XXXX XXXX XXXX XXXX. They claimed they could help me. They would investigate my current mortgage to see that operating procedures were legitimate and they would also inquire with the many programs that the federal government has, to try and see what help I would qualify for. They would also negotiate with the owner of my loan to see if they could get them to give me a lower interest rate. According to XXXX XXXX XXXX it normally would take no more than 120 days. During the process they would keep me apprised of how things were going. They had me sign some paperwork i.e, Author. to Represent Form, Notice to Cease & Desist, and a " qualified written request '. They would call me once or twice a month to tell me " everything was fine '' but would not give me specifics. XXXX is the first month that they have not contacted me and they have not returned any my calls.

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 2021-09-14 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: EMCC Holdings, LLC
State: IL

Complaint narrative:
XX/XX/2021 this is a cease and desist notification, and debt of validation letter. My credit report has been compromised without validation and authorization. Please remove from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received a letter in the mail on XX/XX/21 from my financial institution informing me that all my personal and business checking and savings accounts will be closed in 30 days. My husband went immediately to our local branch for an explanation, and got no answers. The branch manager there would only tell him that she didn't know why and that the decision was final. I then called the the 800 number and got the same. Extremely confused and frustrated I then requested a Consumer Disclosure Report from XXXX. There is absolutely nothing negative on either report. I'm at a loss as to what to do or how to find out why the decision was made to close our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CarMax, Inc.
State: GA

Complaint narrative:
I requested to have carmax auto finance account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested to have XXXX XXXX XXXX account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX of 2021. A judge and MCM lawyer found that I was exempt on continuing writ of garnishment. I filed complaint with you all back in XX/XX/2021, and they said they would cease and desist debt collection. Even though they said that they had legal to but the thing is my situation has not changed I have kids that I take care of nothing has changed. Yet, here we are 3 months later them sending me a letter trying to collect even though they said they would put a cease and desist on my account cause I do not have the money. This was a debt that I had when I was married and my wife used up the card when she lost her job. So I will keep filing my complaint cause we put this already in front of a judge and proved that I am too poor to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are 6 accounts from the same source Us DEPT of EDUCATION that are not mine. Ive recently talk with my lawyer, I then sent an FTC document in as well for transunion to block information I cant be verified. They dont disclose any promissory note with my hand signature there fore its no reason my name and social is tied to this.

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 2021-09-14 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
There were two credit union loans in XXXX that I do not recognize. They were made in the same exact day

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 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Despite my forbearance having ended months ago, Lakeview/XXXX has decided to extend it to the date of XX/XX/XXXX. It had ended in XXXX of XXXX and I was not only current, but had paid a month in advance. In XXXX I began working with a new lender to refinance through the FHA streamline program. There have been multiple issues with Lakeview/XXXX seemingly doing everything in their power to prevent the closing. I was to close with my new lender last month but a lien had been placed against me by LakeviewXXXX that prevented the title transfer. We had to move our closing to a date of XX/XX/XXXX. Now my forbearance has an end date of XX/XX/XXXX. I did not request for this to be done. I have auto pay set up through Lakeview/XXXX website and was assured in XXXX the autopay would resume as normal. As of XX/XX/XXXX my payment was not auto drafted. I have had to manually submit a payment now. I called multiple times and was told my forbearance ended in XXXX, ended in XXXX, ended XX/XX/XXXX or ended XXXX. I asked for the documents to be sent and was told I couldnt get access to them any earlier than XX/XX/XXXX. I requested the issue to be escalated and was told the only way to do that was to file a complaint online. When I go to the contact us section, there is no option to file a complaint to escalate an issue of any kind.

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 2021-09-14 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: IL

Complaint narrative:
On XX/XX/2021 I sent 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these 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 Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase Listed XXXX last week XXXX so The Whole Week & Weekend Was A Mess if you Were A Buyer Of XXXX on Coinbase .Today after 15 emails they Responded with a computer program email .I am Out est - $ XXXX From The Time Of Buying, I can't go back and figure the cost out because the numbers have a changed ..I went from {$7200.00} on the XXXX and XXXX on the XXXX The Balance was {$710.00} .So To Be Truthful I don't know the True Math Or Numbers .All Because they Forgot A Zero ( 0 ) when they Listed XXXX .Showing I XXXX not XXXX and, XXXX not XXXX and XXXX not XXXXThey Forgot the Zero ( 0 ) .I went to XXXX to verify the numbers of all the sites selling XXXX and Coinbase was missing a Zero ( 0 ) .I tried to message Coinbase with No Luck of Getting My Balance Back .Now I'm here hoping for some help .Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
One Main : inquiry date is XX/XX/XXXX. 
XXXX card : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX tried to rollover money from TIAA to XXXX. TIAA appears to be a Ponzi scheme and refused to complete the rollover. They must have hired XXXX XXXX to run the organization. Refused to return my original paperwork that was submitted. Refused to complete the rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got 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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I reached out with a few questions about my credit card. I asked about my APR. XXXX asked me to provide the three digits on the back of the card. I explained how would I do that when I haven't received the card? She said she couldn't help me without providing that information. I asked for a supervisor and was transferred to XXXX ( unsure of spelling as she refused to spell her name ). XXXX was very condescending and rude, making explain things over and over again. I could never get an answer of how I would provide the three digits on the back of the card when I was calling to say I hadn't received the call. Instead of resolving the issue, she disconnected the call after over 45 minutes. I called back and the hold is still over 20 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NV

Complaint narrative:
Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the 3 major bureaus ; XXXX, Equifax, and XXXX, and only 1 from XXXX XXXX XXXX  belongs to me. XXXX, Equifax, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX XXXX XXXX on XX/XX/XXXX reporting to XXXX and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX/XXXX  on XX/XX/XXXX reporting to XXXX as well as some inquiry from XXXX XXXX on XX/XX/XXXX. On the same XX/XX/XXXX Equifax also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the 3 major bureaus ; XXXX, XXXX, and Experian, and only 1 from XXXX XXXX XXXX  belongs to me. XXXX, XXXX, and Experian has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on Experian from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX  XXXX XXXX on XX/XX/XXXX reporting to XXXX and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX/XXXX  on XX/XX/XXXX reporting to XXXX as well as some inquiry from XXXX XXXX on XX/XX/XXXX. On the same XX/XX/XXXX XXXX also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have sent multiple letters asking for debt validation for an account that is reporting on both my XXXX and XXXX XXXX consumer report. As a consumer my rights are being violated due to the fact that LVNV FUNDING LLC has not made any attempt to respond by letter or phone with validation of said debt. 15 US C 1692g validation of debts Grant me the right to request debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
XXXX XXXX : inquiry date is XX/XX/XXXX. 
Jpmcb card : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief