vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
I started a dispute with Credit Acceptance because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The lending company ( Credit Acceptance ) refused to repossess a junk car. I tried to take the lending company to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When I opened accounts with Capital One Bank, Capital One had incentives like balance Transfers, or low interest on purchases etc. I used my accounts, paid them off to a XXXX balance and earned an {$30000.00} credit limit. on account ending in XXXX. This account was not used for a while. Capital One sent me a notice that they wanted me to use this credit card account. When I tried to use this account to make purchases and this credit account was declined several times. I then contacted Capital one and their representatives told me that there are restrictions limiting the use of this account. Then there was a security breach on the account, restricting me further. Capital one then lowers the credit limits from {$30000.00} to {$10000.00} credit limit. I then received a red flag from XXXX ( XXXX ) telling me that Capital One had a security breach. I then received XXXX notices from Capital one ( crediXXXX Wise ) that my credit scores have changed from all three bureaus, losing several credit score points from each onXXXX. This happened all because of Capital one lowering my credit limit from {$30000.00} to {$10000.00}. It seems that the more business I gave Capital one the more they punish t me. I guess this is the way Capital One likes to do business. Shame on Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I have come out of forbearance at the end of XX/XX/2021. They told me they have turned our loan over for loan modification. I am still getting letters advising me that I am in default and eludes that they plan to take my house if I don't pay. I have received many letters like the one I am downloading to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: PA

Complaint narrative:
I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I already took care of what the credit card company wants in return. So tell this XXXX collection job company of what they are trying to do which is collection fee 's interest. I already took care of what needs to be done. It's been taken care for about a year already. Back off I'm taking care of it already for a year now. The debit is to capital one not collection I was told to take care of it before it went to collection and I did so take them off my credit report and stop mailing me fraudulent letters seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MoneyLion Inc.
State: WA

Complaint narrative:
On XX/XX/2021 we filed an identity theft/fraud report with our local police department. We then proceeded to notify all XXXX credit bureaus of this as well. A credit alert notified us of a new account opened with MoneyLion IncXXXX in late XXXX. We called MoneyLion IncXXXX on XX/XX/2021 letting them know to flag the account, that it was fraudulently opened and there was a police report filed. At this point, an account had already been opened. We monitored the credit reports and noticed that there was a loan amount now w/ a due date on the MoneyLion account ( we didn't notice it previously ) as it was noted as a checking account, not a loan. We called back again on XX/XX/2021 and explained the whole situation a second time. This time, they sent a link in an email asking us to file a dispute/correction. We completed the dispute within a few days of receiving the email. We reviewed the credit reports again and now see that this account is reporting 60 days late. It is our understanding that disputes need to be resolved within 30 days and it is well past that. At this point, MoneyLion is now fraudulently reporting this account on all XXXX credit reports. We have called multiple times this month ( XXXX ) to the Fraud Dept but unable to get through due to a automated message that states " your phone number has been registered in our voicemail, you can expect a call from a representative as soon as possible ''. There has been no phone call, no email and no way to get a hold of someone that can remove this from the reports. We are in the middle of buying a home and this has delayed the process and we have missed out on many homes because of MoneyLion 's inability to correct this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One lied to the CFPB. Their response was fraudulent and perjurious in case XXXX. 

The CFPB needs to investigate the answer given by Capital One. Capital One needs to have an actual security expert instead of a customer service representative answer the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I filled complaint with bureau, they responded with a debt validation letter stating it was sent to me by email on XX/XX/2021 at XXXX I looked up my email on that date and time nothing was sent to me at the email address they said they sent it to.I also see that from the letter they sent to cfbf is not my signature and the signatures are forged. I am requesting the original documents from western dental stating that you now have the right to collect any debt from me that isn't mine. I also want to see the documents that state I OWE YOUR COMPANY PROFESSIONAL BUREAU OF COLLECTIONS ANY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Earlier fraud reports to Bank of America. No resolution as of yet. Continued auto debits. Received an insufficient funds notice as of recent. Attempted contact as seen in attachments, though no resolution has been met. I have no way to update payment, regardless of debt being validated. Continued debits and lack of ability to accommodate XXXX related to 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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I started a dispute with XXXX XXXX because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The XXXX XXXX XXXX XXXX XXXX XXXX refused to repossess a junk car. I tried to take the XXXX XXXX to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I started a dispute with XXXX XXXX because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The XXXX XXXX XXXX XXXX XXXX XXXX refused to repossess a junk car. I tried to take the XXXX XXXX to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct 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 non-monetary relief
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Dear administration, Experian credit report agency change my credit report without my correct information for personal opinion, without me.After that they try take money from my bank account without my decision at all. 
I have free credit report and do not change my membership. 
Please let me know a reason my membership changed? 
Please let me the reason Experian credit agency do not let me log in, make copy this fraud and sent it to you? They question ask me do the payment {$27.00}. 
This is extortion of money, black mails. If you do not pay, we do not let log in!

Evidence what I try send to you, - experian requested my credit report by self every 5 minut in term one days, ( 30 request credit card and loans ) Today when my credit report move to XXXX, and I want see true there, I can not. 
I block my credit report to avoid similar trouble, however credit report unblock it for self purpose. 
Please let me know when I will have compensation for infringement, discrimination, and the violation of my freedom? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-18 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
On XXXX XXXX subserviced by Flagstar Bank reported to the credit bureaus I increased my mortgage balance instead of showing my payment. This resulted in my total debt to rise and affected my credit score to incur a XXXX point loss. I had filed a dispute a week ago and tried to speak with the bank tonight who said they didnt have a person at the bank that handles situations like this. They advised me to print and submit a form I felt this was a runaround stall tactic so I informed them I would be reaching out to their governing body to file a complaint.

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 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
To whom it may concern, I applied for a platinum US Bank credit card, they asked for further information which I send them through fax. My driver 's license, my social security card, XXXX banks statements from XXXX different bank account. Thry said that they still couldn't verify me. Called them and they didn't provide me with any information why I couldn't get verified. Since I have send in all this sensitive information and they can't verify me I don't want to have a credit inquiry on my credit report. They will either have to provide me with this information or I have to file a police report. Please advise. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
I have a auto title loan with TITLEMAX. My payments are {$370.00} per month. In the month of XXXX I made 3 monthly payments. The first payment was made XX/XX/2021 this was for the XXXX payment the second payment was made on XX/XX/2021 this was for the XXXX payment on XX/XX/2021 I made a third payment for the same amount for XXXX. TITLEMAX misapplied the payment made on XX/XX/XXXX and applied it directly to the principal balance. I have called three times about this issue and I asked them to either refund the money or to apply it to the XXXX  payment and again they have not done it and now are trying to repossess my car. The first time I called I was promised a call back by the end of the business day and I didnt receive it I called two days later and I was told that there was no notation on my account that I had ever called and that they would need to have a supervisor call me back. When the supervisor called me back she informed me that the payment could not be reversed or reapplied to XXXX and that I would need to make another payment. I advised the supervisor that I do not have money to make another payment because of how I was affected by Covid and I wont be able to make two payments in XXXX either. I have documentation showing my payments on the TitleMax app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct 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 non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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. 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 XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Failed to conduct a proper investigation and has not responded to my requests in a timely matter. It has been over 30 days since I have requested a investigation. Ive sent multiple letters and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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