vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: KY

Complaint narrative:
I filled out an application with XXXX XXXX of Loan depot at the beginning of XX/XX/XXXX. We began communication about my loan application XX/XX/2019 at that time i emailed him the requested information of my pay-stubs so he could determine my hours worked. I then contacted XXXX again via text on XX/XX/XXXX asking is there anymore info needed as i have not heard back from him since i filled out the application. At that time he asked how much we would be able to put towards a down payment. I let him know at that moment i had XXXX in savings. On XX/XX/2019 XXXX emailed me a screenshot of a pre-approval letter because we.Between this time we had been in communication on different homes we had found. He even set us up with a agent to look at homes. When we found a home that we liked per XXXX we were all good to go under a contract with the seller. We gave our XXXX earnest money  and had an inspection and apprasal done on the home. After not hearing back from XXXX as to the status of a closing date or any information as far as where we are in the process. XXXX very rudely told me he did not work for me and disconnected the call. I then called the customer service and was given contact information of his supervisor XXXX XXXX. XXXX went on to tell me my application was denied. No one was able to explain why we got an inspection and apprasial on a house we could not get. Now Mr XXXX is not answering my question of when i will recieve my refund as he asked me to provide him with proof of payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied for a Goodyear credit card at a local tire store. The application was approved same-day but they refuse to send the credit card to the current address on the application. The first minimal payment is due in a few weeks and I am not able to set up an online account to pay the bill.

I called Goodyear several times and they notified me that they sent it to a previous address which they pulled from somewhere. There's a reason why I put my current address on the application! I volunteered to send proof of current address ( copy of drivers license, voter registration card ) but they refused when I called. They also said they needed to verify by TXT'ing my cell phone with a code. I said OK but then they said that their computer was unable to do that.

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hello, since 2013 I have a savings account and a checking account, at Wells Fargo Bank. I live in XXXX XXXX, XXXX. My address information is loaded there. To save commissions, I requested that my checking account be closed and nobody warned me that if I did that I could not use my money because the debit card would be discharged. Now I am in XXXX I can not withdraw money or collect money and I could not pay to XXXX. I want to reopen the account but they tell me that it is personal that I must travel to Usa.

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 2019-06-12 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: State Collection Service, Inc.
State: MD

Complaint narrative:
Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation.

no credit debt should be on my XXXX  account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX  should remove promptly from my report. 
1ST STATE COLLECTION XXXX has been PAID IN FULL ( Showing on my report ) 2ND state collection -should be deleted not my charge XXXX 3rd XXXX  XXXX XXXX  should be deleted not verified XXXX Total of XXXX They have received information on this prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from a so called " XXXX ''. They way the called and harassed me was inexcusable and beyond my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DataMax Corporation
State: MD

Complaint narrative:
I received an XXXX credit report in XXXX when applying for a car loan. This is when I first learned about the debt collection from a company called Interstate Credit Collection for {$100.00} from XXXX XXXX XXXX. At the time, I believed this was a debt that belonged to my father who shares the same name as me and at the time, we had the same home address. Neither my father nor I have every received any written or phone notifications from this company about the debt. I called them to obtain more information and they told me that the debt actually belonged to my father and that they would remove the debt from my credit report. I recently checked my credit report in XXXX and they are continuing to report this debt not at {$65.00}, even though I haven't made any payments to them or received any information from them. They are now using the name XXXX XXXX, XXXX. I disputed this debt collection with XXXX because I believe it is not mine but they told XXXX it was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Saks Fifth transferred my credit card account to Capital One in the summer of XX/XX/XXXX. I rarely use this card and it is one of a few cards on my account. 
I started getting calls from Capital One demanding payments the week of XX/XX/XXXX, which did not make sense for me - I was getting XXXX balance in my online account, there were never any paper statements, so I thought the calls were a scam. Finally I called the number on the card on XX/XX/XXXX and it turned out that the account I was accessing was the old account that was closed, the access to the new account was blocked, yet the paper statements were never sent to me and there was a balance on the account. I requested to get paper statements, and they were sent to me on XX/XX/XXXX ( see attached ). Once I verified that the purchases were mine I called back Capital One, they agreed to remove late fees and interest and I made a payment on the same day, so the transaction is reflected on my account as of XX/XX/XXXX. 
Yet soon after I started getting messages from my bank account that my FICO dropped significantly. I had a FICO of XXXX and now it was showing XXXX ( based on XXXX  - see attached ). The investigation into my credit report confirmed that the drop was due to delinquency reporting on Capital One credit card account. I called Capital One, but all representatives were saying that's not in their scope of responsibilities, while being transferred 6 times. I later wrote a letter, but they responded they'll not remove delinquency out of courtesy. I wrote back explaining that the payment was sent out as soon as I received the info about the balance, the original statements were never sent to me, so I never received the bills, but they never responded. 
I believe the reporting of delinquency is not justified as they reported it while they blocked me from accessing balance information - no paper statement and no online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America 's operating a XXXX XXXX ring. My former manager XXXX XXXX access my personal Bank of America account and removed funds by communicating with XXXX I'm not sure if the funds went to her account but I do know they surely did not go to my I have reported this to Bank of America but they are not taking action XXXX XXXX is a known XXXX XXXX and XXXX in the XXXX XXXX Community she is a danger to herself and to the entire world she is a cruel mean XXXX and she feels that she is superior to Barack Obama and Donald Trump whom she spoke about during a meeting at the bank and said she would joyously XXXX them the XXXX is knowledgeable of this information for one of their attorneys has taken a paycheck so that they will not say anything thank

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 2019-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Infiniti Financial Services contacted me today XX/XX/2019 on my work line to advise that my Auto Lease was past due. The representative contacting me was very rude, threaten to ruin my credit, stating that my account was reported to the credit bureaus. My account has never been 30 days past due, and this is a false statement. This is against the law to make these statements. I pay this account at the same time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been struggling for years with Navient to lower my payments to something I can afford in regards to my private loan. I have managed to work with them after 4-5 years and using ALL of my forbearances to get in their what they call rate reduction program. At one point, they even XXXX up my payments during the program. Now my payments are going up. And they say it is to match what was on my promissory note. I went from paying XXXX  something, to XXXX and change, to now XXXX for the next 6 months and I am afraid I will not be eligible for their program. When I went to renew, I wasn't even allowed to use a forbearance because they made me use them all in the course of the 4-5 years I argued with them to lower my payments because I could not afford almost XXXX a month after I graduated and didn't have a job. I have also tried to get my father released as a co-signed as he is XXXX and does not work and the only income he has is his SSD. I have  countlessly explained this to Navient AND made on time payments using the rate reduction program and they said he can not be released but i have proven to make payments ALONE without his help and I don't want them coming after his SSD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit company experian refuses to give my people a credit score, they are reporting my score if I pay there membership fee and they say they have no control over my score but are showing a credit score only on line if I pay. My lender pulled my credit score and still shows unavailable. I called the company experian and they keep making excuses, also there are many things on my credit report that they wont remove. They keep charging me after I called and canceled my membership many times. They say there is no refund. I believe that experian is committed many fraudulent actions. I asked for information to a supervisor and got some other employee. There hiding something and going against my rights and laws as an American citizen.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account opened : XXXX XXXX, XXXX ( 1 yrs, 4 mos ) Amount Due : {$580.00} Credit Limit : {$500.00} Credit Use : 117 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I checked my credit report on my paid prescription of XXXX and its shows a negative status on my XXXX and XXXX credit report with a Navy Federal Credit Union Installment loan from 2014. I contacted them about it and there is no record of it in there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am submitting this inquiry to you because i learned that my credit score suddenly dropped from XXXX points and I want to find out why, And what I can do about it? Nothing has changed in my financial world, so I am concerned there is wrong information negatively affecting my score. This sudden drop occurred between XX/XX/2019 and XX/XX/2019. I am not sure where to turn so I am first reaching out to your agency. 

Thank you for your assistance.

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 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX Transunion & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX Transunion You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX   & Transunion DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX XXXX their is no modification inaccurate information. 
Transunion & XXXX Payment History is Inaccurate on this account! 
Transunion you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing

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 2019-06-12 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a mortgage in the amount of {$300000.00} in my credit reporting and my husband 's credit reporting. Supposely this mortgage was taken out on XX/XX/XXXX and it was closed and paid on XX/XX/XXXX. This mortgage never happened. XXXX XXXX XXXX XXXX can not find any documents signed or any records of the mortgage. I have been living in my house for 18 years since XXXX. Now I'm trying to refinance and this i affecting everything. We have never refinance the house and the only reason why we are refinancing now is because out sone is in the XXXX XXXX and we want to visit him. I have tried for the past month to take case of this situation. I have provided every document they have requested. Everytime I call I wait 30 to 40 min. My call gets passed to 2 and 3 reps and still I can not get an answer. I need this problem resolved ASAP. Because this is affecting our lives and XXXX XXXX XXXX XXXX simply does not care. They need to resolve this and take this off this mortgage for all the credit reporting companies.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Good afternoon, I feel very terrible. I simply just wanted to start a credit report account with Transunion. This happened yesterday. I did not sign up for any premiums or anything like that, so why am I getting charged {$24.00} just to check a score? Come to find out I did not even have a credit score at all. I called customer service. It was bad enough that I could not understand their accent. It was much worse that they kept insisting that I signed for the one that I am required to pay. I cancelled it since I did not get any benefits, but I do have a receipt. I thought I had to put in my credit information in to confirm my subscription. How did I go from getting a free trial to paying money? 

Thanks,

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