vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2020, I logged into the TransUnion credit website to request a free annual copy of my credit report. I went through the site 's information gathering process to collect my name, address and particulars in order to request my report. I was surprised that they asked for my credit card, as I was expecting to get a free annual credit report. At no point, did the TransUnion website make it clear that I would be billed, and no fee or billing agreement was provided to me. I did get the TransUnion credit report, but I was billed {$24.00} without my consent or understanding. This report should have been free, as I've not requested a credit report for over three years and I requested only a single agency report. I believe that TransUnion intentionally hid the fact that I would be billed. I believe this is a deceptive practice and TransUnion should be explicit about the fact that they are going to bill your credit card and the amount they are billing. The website should explicitly state that you are purchasing a credit report and you should explicitly agree to an amount to be billed to your credit card.

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 2020-01-27 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: AR

Complaint narrative:
I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: CA

Complaint narrative:
I bought a car at Carmax XX/XX/2017 and it was financed with Carmax finance. 
From the start there was a problem with the car. I tried to get it in to the dealer before the 30 day warranty was up and at first they kept stone walling me until I showed up with the car and left it with them. Eventually they fixed it -- supposidly. 
I called again and again complaining it still had the same problem and they were stonewalling me from bring in the car under the warranty they sold me. When I finally got the car in they test drove it and then had me in the car asking if a certain sound was what I was talking about and I said yes. The mechanic said it was supposed to make that kind of noice. So at that point I accepted if for the time being I left. 
However, in the meantime I kept calling and calling to to speak with the automotive repair part of the dealership and the person answering the phone kept hanging up on me further stonewalling me. 
Eventually I cancelled the extended warranty since I was unable to use it. 
I only drove the car to the grocery store, church and a doctors appointment so I didnt put on many miles on it and had it for way less than 2 years. 
Eventually the transmission gave way and Carmax said they dont do transmissions so I took it to XXXX and it would have been {$4500.00} for me to fix it and since I didnt have the warranty any long I couldnt use it but then again it didnt cover transmissions. 
I asked Carmax Finance to extend credit to get the car fixed even though the car fell under the lemon law and I called in 10-15 times trying to resolve problem that but couldnt. I told them that I still wanted it and they wanted money therefore it would be in there best interest to help me. They said they wouldnt do anything even with all the problems over time so I told them to come and get the car. My telephone number at the time was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
ameri home mortgage company refuses to assist me with hardship with my mortgage even though i appled many times and asked them for help requested for help still refuses to help me with my mortgage hardship i am having?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. 
Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX   Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$2300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: WI

Complaint narrative:
I have been trying to resolve issues with this company named XXXX XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have been a checking and savings customer of Capital One ( ING direct before that ) since XX/XX/2002. recently i notices savings rates have increased. I found out that my savings account is a '' grandfathered '' savings account that used to earn a great interest that fluctuated with market. apparently i was moved into a low interest product without my knowledge. I don't know when this happened but my current savings interest rate is 0.6 % and the high yield savings earns 1.7 %. i have since had to open new account and transfer my money into that account to get the new rate. My issue is that the account my money was in isn't even offered. their off the street savings account is the 1.7 % high yeild account regardless of balance. I feel like i missed out on a lot of interest over the last few years. i take some responsibility for not realizing it, but i would hope that cap one wouldn't put someone in a product that isn't the " off the street '' offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Have requested this removal from my Experian report, most recently this XX/XX/XXXX along with provided documentation backing up my request ; to delete a negative comment regarding the XX/XX/XXXX entry of XXXX XXXX XXXX. While enforcement was handed a 'figure ' found in arrears, I have never missed a monthly payment either. Payments have been monthly/timely and are based on the payment of 65 % of the total monthly XXXX amount and can not be anything more as this was my only means of support when the Order was written. 
It is the 7-year rule I reference. Prior to the XX/XX/XXXX Support involvement I had been paying monthly, on time, the same amount since SSDI approval retroactive to XX/XX/XXXX in which the custodian received a retro lump-sum payment and monthly thereafter DIRECTLY from SSA without any intervention on my part at any time. Once Support got involved in XX/XX/XXXX payments were sent to XXXX directly, they did their Title IV-D voo-doo and garnishment continued unchanged from my perspective. It is now 8 years later and I am requesting of Experian to remove this negative comment regarding Support XXXX. They took the 30 days, contacted the New York Agency ( where I don't know and they did not provide me any feedback from XXXX ) and the matter denied without explanation ; was I right in requesting? or wrong in requesting? or are they simply denying as addtional funds are due but being paid timely all along. 
I am requesting this New York XXXX XXXX XXXX entry to be removed immediately as it is in excess of 8+ years and Experian took it upon themselves to 1 )  not delete it, and 2 ) chose to refer it to the New York Support Agency despite the rules bv which all are bound should grant the exclusion of this derogatory and outdated comment and not handle the matter relative to these same rules themselves.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of my credit bureau reports XXXX and experian. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.

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 2020-01-27 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:
Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.

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 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
ROZLIN FINANCIAL GROUP HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1900.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: AR

Complaint narrative:
I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
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 2020-01-27 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: AR

Complaint narrative:
I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
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 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Took out a loan with cashnetusa.come after making 2 payment over a 2 payment periods which is every took weeks I notice that my loan payment barely dropped. I contacted the company and they told me it a crewed interested everyday. So a loan if XXXX making them payment would take over a year to pay off making payment of XXXX every two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: WI

Complaint narrative:
I have been trying to resolve issues with this company named XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of  my credit bureau reports equifax and XXXX. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Hey there, Reference # for this case : XXXX. I tried to reach out to US customer service but was transferring to oversea call center, and no one could really help. 

I received a target offer in my business mail to apply AMEX platinum business card and applied at XX/XX/XXXX. It was not instant approved and I called the next day for review. During the review process, I explained my company is a single member LLC ( liability limited company ), and I chose company structure to be " sole proprietor '' so the tax ID is the same as my personal SSN. However, the rep ( XXXX call center ) told me LLC should be a " corporation '' instead of " sole proprietor '' so he changed that and approved the card. 

Not long after I received the card and found I can't activate the card due to " corporation '' required a separated tax ID, and the only solution I was offered is to cancel and re-apply. However, there will not be target offer to reapply the same card. I was on the phone for this issues multiple times and could not even get a US personnel on this. In short, my credit card application was XXXX  by AMEX representative. Benefit lost and time wasted and no one taking responsibility. I am with AMEX since XX/XX/XXXXand I demand an answer to this matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
AARGON AGENCY HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have applied to an apartment complex recently. I was denied due to not having enough credit on my report. That has to be inaccurate because I have rented two apartments, one of them for over 2 years, and have recently took out two credit cards that I can't pay back  due to being on XXXX XXXX  XXXX and being cut off of funds. Also, because of my XXXX XXXX XXXX insurance not paying me, I ended up evicted as well. I am just a simple person trying to do right. I make one mistake by being kind and capitalism just continue to kick me while I'm down without giving me time to put in effort to get things back on track.

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