vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$130.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: WI

Complaint narrative:
I applied and was approved for a VA home loan with Veterans United Home Loans, and Im currently in the middle of a chapter XXXX bankruptcy but I met all the requirements of the VA and VU. Then a day or so later, I had a conversation with my loan XXXX about why I wanted to move from the XXXX and aside from employer giving me a promotion requiring me to move, I stated that I wanted to get to a more diverse area, as it pertains to race relations. 
A few days later, my loan XXXX questioned me about a clerical error on two payments in XXXX 2020. The attorney handling my case gave me a incorrect payment amount which was off by {$10.00}. The error was caught two months later and the monies were paid i.e. {$20.00} immediately to bring the plan current. 
The lender said because of that, they couldn't proceed with giving me a loan because of the VA guidelines. I contacted the law firm and they advised me that the attorney that made the error is no longer employed there, but they were willing to draft a letter explaining that the error was no fault of mine. The lender refused to acknowledge the mistake from the law firm. I then contacted the VA regional loan center and gave them all documentation and after their review, they determined that the mistake wasn't mine, and they would guarantee the loan. Said lender still refuses to grant me said loan. This is a time sensitive matter because my employer has offered me a promotion requiring me to relocate to XXXX ; hence the home loan need. I have to report to XXXX by labor 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 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft COMENITY BANKXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft COMENITY BANK/XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Tried to contact XXXX XXXX/ Loan Care ( XXXX Pacific time ) to get information on applying for forbearance or assistance. Spoke to " XXXX '' On hold for over an hour then disconnected after stating veteran requesting forbearance. Transferred to a message number with no service. Unable to sign in to account online and still on hold with 2 phones and both companies. Unable to retrieve forbearance documents online without signing in, however the system is not recognizing account and will not let us change our password to retrieve or submit the forbearance form due by the end of today. XX/XX/21 XXXX XXXX Pacific time.

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 2021-06-30 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Hello so on Numerous dates Ive sent in debt validation letters for this account that has yet to be sent as properly validated. Each bureau has a different spelling of this company for some reason as well, So that alone is a red flag. Also Their rude customer service makes it that much more difficult to resolve any issue over the phone. I want this investigated & erased from all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 1 ) Didnt provide me with the Original Contract With my signature 2 ) I didnt sign any contract with the collection agency that was harassing me, I dont have relationship with the collection company or a valid contract with the collection agency 3 ) The charge is off and was send to a collection agency 4 ) Capital One have inaccurate information in my credit report 5 ) The last active of the last date payment dont match between XXXX and XXXX The report dont accurate and must be remove 6 ) On Transunion the last date active is XX/XX/2019 On XXXX The last active is XX/XX/2019 XXXX ) I was really ill and affected by XXXX and my main job was closed and even like that Capital one that sent the account to collecting and sold the debt to collection agency was still harassing me by email to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: GA

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 I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AZ

Complaint narrative:
FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED TRANSUNION AND XXXX  AND XXXX  XXXX XXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX  OR 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 2021-06-30 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: MI

Complaint narrative:
I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments XXXX XXXX have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after 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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$130.00} MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
At the release of the new XXXX XXXX in XX/XX/2020 the only remaining XXXX  required financing through Citizens One. Although immediately " approved '' XXXX ran into supply issues and notified there would be no XXXX. I then tried to work with XXXX/citizens to make sure my credit report would not be impacted. During this process XXXX was able to secure XXXX for people who had this issue. I setup autopay but never received any confirmations. I also made a direct payment and no confirmation email. This eventually lead to two missed payments. When I explained the issue to citizens they fixed the account, fixed the penalty charges, and agreed to fix the credit reporting. Citizens Billing shows on XX/XX/XXXX they emailed internally a credit dispute group. They stated they have no way of knowing if this group read the email/took action or additional way to get followup. Citizens will not provide email address to work toward resolution in writing. They've advised to also file through credit agency direct to which the inquiry was rejected. I do not believe their internal ( Citizens ) credit dispute department has reviewed the account, calls notes, and commitment on file that they would resolve this. Our credit score was impacted 75 points making it so though preapproval for a new home loan is skewed 10 's of thousands of dollars over the life of the loan due to the lower score. I'm at witts end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Hi There, I did an XXXX XXXX flight on XX/XX/XXXX and received a flyer with an offer to apply for a XXXX XXXX XXXX managed by Barclays offering {$0.00} annual fee for the first year plus XXXX miles. 

I did the application online on XX/XX/XXXX and used the code stated in the flyer ( XXXX ). 

They approved me but I noted few days later that I was charged an annual fee of {$99.00}. 

I called their customer service many times asking why did they make that. They said that the promo was valid only if I had done the application in flight and that as I have done it online, the code was not applied. 

I reinforced that the flyer does say on the back cover that I could be doing the application online ( Apply in flight today or visit XXXX ) and sent it by email ( XX/XX/XXXX ) so they could see and validate it. Over a month later they said that they would not revise it, that the promo was not valid online. 

I'm sad to learn that Barclay 's does not honor their advertisement and wish you could make them honor it. 

Tks in advance, 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 monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I got the lease from XXXX  with the title and loan held by Hyundai Motor Finance co. I moved to a different state and the new state requires that I transfer registration and licence to the new state within 60 days. In order to do that I need to get a copy of the title and be given power of attorney so I can go to my states DMV and do the transfer. It has been over a month and half of me calling, emailing, sending them requests on their proprietary system to no avail. I am at wits end as to how to resolve this as I will soon be unable to drive my car since the 60 days will be over.

This seems to be a common complaint that people have with Hyundai Motor Finance where they don't release the title.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted 3 disputes with TransUnion over the past 3 months. Each investigation led to TransUnion updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. TransUnion says the creditor confirms this is accurate but how can this be the case if XXXX has deleted the collection per my request?

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To whom this may concern, I've been making on time payments for the last four years that i've been crediting with Capital One. I happened to have my credit set to monthly deductions and somewhere down the line I got hit with fees and interest charges during the time of XXXX, XXXX and XXXX of XXXX  that I wasn't aware of. I still made payments on time for those months and it shows that. The monthly due payments was originally set to {$25.00} a month and I made a financial strategy to at-least pay double the amount ( sometimes even more ) down, but Capital One changed the monthly rate without me being aware and that caused an unfair financial crisis for my situation during that time with the unexpected increase in fees and lost of job. I've still made an effort to pay " on time '' for those months and I've paid over the original {$25.00} a month fee that was originally set from Capital One. I've been neglected a place to live for this unexpected situation and increase in fees even till today. I truly believe that this is not a great indicator of my actual credit worthiness and shouldn't be the reason why I might be homeless when I've still been making payments " on time '' from that time till now. To be considered an " Late Payment '' isn't a fair statement towards my credit report due to the unexpected increase and with me making payments before 30 days past due mark and according to the FCRA anything thats not fair or 100 % accurate has to be deleted off my credit report and I've been making payments every month especially in XXXX of XXXX. 
I actually like Capital One and refer many family and friends.I hope that you will deeply take this into consideration, make some adjustment towards my credit report and your reporting to get these late payments removed and prove once again, why Capital One is heads above the rest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Move out an apartment on XX/XX/ by the name of XXXX XXXX XXXX. Provided apartment personnel with keys and signed move out paperwork. Also provided office personnel with forwarding address. Security deposit was never sent so I figured they kept it even though they shouldnt have because apartment was nasty and infected with roaches upon move in. I couldnt take the XXXX any longer, I would turn on the lights in the morning and they would scatter every where. Cleaned entire apartment and relocated. As of today there is a collection on my credit and has been since XXXX of XXXX  not even 30 days from moving out. The collection is only XXXX. The fact that I wasnt made aware of this debt by the original apartments and a debt of a lousy XXXX was placed on my credit is sickening because something so small could have been paid if I were NOTIFIED because I provided a forwarding address. The original apartment company didnt even give me time to be made aware of the debt or time to had pay it. Ive contacted this company and got a response with a list of charges and the balance :

Company response to consumer: Closed with explanation