vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Today XX/XX/2021 I received a call from what I believe was a law firm saying they had a claim number for me and they even tried calling my mother but they called me after that. The man said the name of the law firm but said it too fast even when I asked him to repeat it. I kept asking what this was in reference to, all he could say was I had to call XXXX and give them the claim number. I call the number he didnt say who his name was or who he was representing. He goes on saying that something about a lawsuit or some claim was against me for a XXXX year old payday loan with a check that had bounced ( not my intention for that to happen ) and he was pushing me to pay and pay and if I didnt my credit would be damaged and wages would be garnished and all I get is social security XXXX. He threatened me with a lawsuit and garnishment. I tried telling the man that this was beyond the statute of limitations but he got defensive and thats when he started threatening me with all that I mentioned above. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  and transunion are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. XXXX  & transunion have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. XXXX  and transunion must do the same since there is no bankruptcies to verify.

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 2021-08-11 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: CA

Complaint narrative:
TransUnion is reporting incorrection on my report with out showing this account is valid

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I rented a car on XX/XX/2021 for 30 days at {$1500.00}, immediately had mechanical issues with my rental since the moment I picked it up, you can pull call history showing on XX/XX/XXXX I called 5 times and was told I'd be responsiblefor towing the vehicle and several other things from each different representativeI talked too. Front tire sensor out, rear back tire deflating and oil life at only 7 % to name a few issues. After finally getting the only vehicle available to switch out, I was able to exchange last week and was told I'd receive either a 50 % discount on my monthly rental rate or your company would comp my rental for the month of XXXX. Fine. 

Of course I go to call the local branch, no answer. Went into the local branch i was told they can't do anything and gives me a XXXX number, I call and sit on hold for 15 plus minutes then get disconnected, I've done this on and off all week! 

Can SOMEBODY from your company RETURN my call?! The return is due tomorrow but I literally just got a vehicle that was up to safety standards and need to either get my refund or extend this rental! I guarantee that if I don't return it tomorrow you'll be hounding me and I want this email to document my willingness to try to contact your company for remedy. It's been a month of nothing but problems and nobody wants to address this and I've paid {$1500.00}! 

That was the email that prompted the 50 % discount and extension of my rental. By the time the stopped charging my credit card it was to the tune of {$4600.00}! I had disputed these charges with my bank and even replied to their text when they were trying to authorize the charge, I told them no and it still went through!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control is illegally trying to collect on a debt that is NOT mine. It was originally through XXXX XXXX XXXX who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on XXXX  and I will a separate complaint about that ) and stopped trying to collect on it. 

Now XXXX XXXX XXXX has apparently sold it to Central Portfolio Control. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that Central Portfolio Control clearly marks that XXXX XXXX XXXX is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile

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 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: PA

Complaint narrative:
I was trying to get a loan with Cityworth Mortgage in order to purchase a house. The process was about 3 months. Over those 3 months, I had to provide the same information various times and in the middle of the process, the loan officer left and we received a new one which caused even more work for me. They postponed the first closing date and then on the second date, they called two hours before the closing to let us know that the closing wont happen.

they should not do that, and this company should be offering loans to people. 

I lost money and time, the realtor doesn't want to refund the deposit money, i put XXXX dollar down, and they don't want to refund 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 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
{$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida. 

No. XXXX. XXXX something dollars to XXXX in Florida. 

No. XXXX. XXXX something dollars to a grocery store in Florida. 

I declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like " Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, " Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn. 

Then I received another text saying XXXX will be refunded to your account. Please respond YES or NO. 

Responded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : " Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay. 

After about 6, they stopped. The call ended. 

I called back TD Bank, they transferred me to the fraud department and said it wasn't them who called. 

Now there is nothing TD Bank can do. {$2000.00} was taken from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My spend account with Credit Karma was locked around the middle of XXXX - after XX/XX/XXXX. I discovered it when my card was declined several times. I kept calling and the support team couldn't tell me why. I have not had access to my money, which is my federal tax return and now my federal stimulus checks. 

Every time I call to inquire they tell me they can not help me and that the department that is handling the " issue '' does not have phones they only email. I have never received an email from the department that is handling the " issue '' and I have yet to be told what the " issue '' is for certain. 

I have called or emailed numerous times : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX - trying to resolve this issue and find out why my account is locked. 

Today, XX/XX/XXXX is the first time someone told me that the special " escalated department '' at Credit Karma needs to send me verification forms to prove that I am who I am - for what purpose - I do not know. 

I was told when I first called my request would be handled in 24-48 hours. 
The supervisor I spoke with today told me " these cases can take a week '', his best case can " be 2-3 days '' and my case is " the worst case he has seen ''. FOR WHAT? I do not know. 

I absolutely say publish this information. XXXX should not use CreditKarma any longer. Just send people their refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-08-11 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:
Dear sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this i find myself paying higher in interest rates. Please into resolving this matter for me, because it has caused me lots of stress, and paying higher in interest rates. 

Thank yo 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 2021-08-11 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: TX

Complaint narrative:
I reached out to the credit agencies on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove the account. The reasons I was given is their need to contact the " original creditor '' in order to validate the deb. I informed the agencies they are in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 


The agency is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX  XXXX XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-11 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: FL

Complaint narrative:
I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Inquires 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 2021-08-11 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: FL

Complaint narrative:
I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
I am a XXXX  and I would like to file the complaint on behalf of XXXX XXXX  and myself The lender, XXXX XXXX nmls # XXXX, of Cardinal Financial XXXX XXXX nmls # XXXX, not doing his job and being dishonest in the process of the loan. The home was UC on XXXX XXXX and ( appraisal ordered XX/XX/2021 ) finally did not close as of today XX/XX/2021 due to Buyer not qualified for the loan after 9weeks UC. According to buyer 3 weeks ago the lender switched loan types to Conventional from FHA and never told me nor did he supply a new loan disclosure to the buyer to be aware of changes. The lack of professionalism and communication was the worst Ive ever dealt with in 17 years of being a XXXX. My buyer took money from a XXXX to purchase a house with knowledge from his lender that he could purchase a home and now he will be penalized if he does not use the money he withdrew by the end of the year. As an XXXX XXXX of 15 years, this should have never happened to a consumer.nor should anything be under contract for 9 weeks in false pretense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
I have attached 3 accounts that are reporting inaccurate information to my credit bureaus. As per the FCRA anything information reported in my name which comes from the same source should be accurate. Please delete the accounts that are reporting inaccurate to my credit bureaus. I have attached the accounts and highlighted the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to work out a forbearance agreement with my lender, XXXXXXXX XXXX servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help

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 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have USAA as my automobile insurance carrier. I had full coverage with vehicle reimbursement up until late 2018. A transaction happened with my ex wife 's vehicle and my vehicle reimbursement was removed without my authorization or my knowledge. USAA records all phone calls, but they can't locate a recording of when my vehicle reimbursement was removed from my policy. I had an accident and USAA has refused to pay for rental reimbursement on my policy like they are obligated to do so. They state that the policy reflects that I don't have rental reimbursement and that's the proof that they have, even though they record all calls, they fail to provide me a phone call recording which took place, but they state that I don't have it, even though I never removed vehicle reimbursement from my policy and I never authorized anyone to remove it. USAA is commiting illegal procedures against it's veteran customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For nearly 8 years I've been battling with these two credit reporting companies to remove what is a black mark on my credit Cars in the beginning and not valid. I've written letters five complaints and we are past the {$70.00} Mark worth this junk should have been removed from my credit years ago credit reporting agencies have a huge responsibility to stay up to date what negative information reported it should be sanctioned when they drop the ball. Incorrect negative credit affects us all holding our children and families at risk

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