vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: AZ

Complaint narrative:
On XX/XX/XXXX, My Experian credit report is inaccurate. I have disputed numerous times on phone to Experian and more FCRA violations by Experian for not reporting correctly. 
They are:1. I have no account with late payment. 
XXXX to remove XXXX XXXX XXXX XXXX XXXX I have and there is no Contract or Assignment signed by me with XXXX XXXX XXXX XXXX. Doesn't exist. Experian is to remove at once. Experian has no valid reason to keep on an account that is not mine. Experian has no proof. Experian per FCRA is to DELETE this account from my credit report now. 
3. Experian refuses to record all monthly payment amounts on " actual payment made line '' for XXXX XXXX XXXX, 2 XXXX XXXX accounts. It says on all 3 " no data or 0. 
4.On XXXX XXXX XXXX XXXX XXXX date payment received line is all inaccurate. Months of car payments missing are : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Actual amounts paid are all missing. I know XXXX is reporting accurately. 
XXXX XXXX # XXXX ... XXXX XXXX for XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX missing. All date payment received are all incorrect. Actusl amount paid all missing. 
6. XXXX XXXX # XXXX ... .Account Balance missing:XXXX,XXXX,XXXX, XXXXDate payment received line is all inaccurate. Actual amount paid all missing, says '' NoData ''. 
7. XXXX XXXX is not my hard inquiry. Previously disputed. Delete it. 
8. Remove all soft inquiries older than 2 years.

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 2021-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX called us stating they could do a refinance on our home and give us a rate of XXXX. We agreed to do business with them. We did not hear from them for a couple of weeks then they said we did not need to make our XXXX and XXXX payments. However, after 66 calls to them and only 19 responses we decided to make our XXXX payment and made our XXXX payment as we had not heard from them. They had promised it would close by XX/XX/XXXX that is why there was no need to make the payments. 
They kept promising it was about to close escrow. In the 19 calls we did speak to them they said everything was in the works, come to find out it was not. We spoke to a XXXX, XXXX, XXXX, and now today a XXXX. When I asked how to spell her name she said I could spell it anyway I wanted to. I told XXXX XXXX that I wished to resind our agreement to refinance with them. Had we not made our payments when we did we would not be current. I have asked these people to stop calling me as now it has become harassment. The whole process started in mid XXXX and it is now the end of XXXX. We have decided to go with another company and are completely satisfied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made several attempts to rectify incorrect/ old information on my credit report and have been unsuccessful, even though they have failed to provide proof from these companies. They also old accounts older than 7 years on my report. 
Below is a list of items I have attempted to resolve with the last 2 years.

-Page ( s ) 2.1 and 4.15. XXXX XXXX unknown account number on report-shows charge off but was told by Equifax that they could not locate this account. Also letter from XXXX states they sold this alleged debt to XXXX XXXX ( letter attached ). 
-Page 2.3 XX/XX/XXXXXXXXpaid in full as stated on other credit Bureau reports//company , but shows transferred or sold and charged off on Equifax report. 
-Page 2.4 -XX/XX/XXXX- Included in Bankruptcy and not a Charge off. 
-Page 4.1-XX/XX/XXXX-Id Theft from California that I was unaware of and unable to resolve which has been discharged by bankruptcy. 
XXXX XXXX XXXX-Never had any account with this company/person. Company was Unable to provide me any information, nor Equifax. 
-page ( s ) 4,3 thru 4.5, 4.8, 4.9, 4.10, 4.11, 4.12 -Duplicate Department of XXXX accounts on report. I have 2 loans not 5. review as these are same amounts. 
-Page 4.6XXXX XXXX XXXXEx husband XXXX XXXX debt that was included in divorce XX/XX/2018. 
page 5- I XXXX XXXX XXXX XXXX older than 7 years. Remove by law. 
Current name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I needed to transfer a wire to close escrow on a home I am purchasing. The funds were with Capital One. I sent the wire through their system at XXXX XXXX For some reason Capital One states that they can not process wires after XXXX EST. This is absolutely ridiculous since the federal wire cut off is XXXX EST. Their rules are completely hurting their members ability to move funds within the timelines set by the Fed. They need to change their rules to be more in line with the other banks around the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McNeil & Meyers Asset Management Group, LLC
State: TX

Complaint narrative:
Debt collector call once and asked me what would your boss think about you not paying back your obligations? I have a saved voicemail stating that the company would be moving forward against me in my county and if I wanted to avoid litigation I needed to call them to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BoA caused me lost tens of credit score because of their fault and refused to offer any solution by perfunctoriness and deceit.

I was a pervious customer with BoA. Two years ago, I decided to close all of accounts ( including credit ). Upon finish of the closure, they said all account will be closed, there was no debt on the accounts and even sent me a check since I still had balance in the saving. 

During the past two year, I noticed some issues on my credit report showing late payments. I doubted it closure. Recently, I had a hard pull showing BoA credit account is not closed but Charged off of {$50.00} since XXXX. I called BoA on XX/XX/XXXX, they told me it was their mistake not notifying me on day of closure and afterward. And they said the {$50.00} is not a late pay, since there were no late payment fee. As soon as I pay them back, it will not appear in my credit report. Then I paid it, but on XX/XX/XXXX, I found my report still has the C/O history. I called back to BoA, and BoA said the history will stay in my report for 7 year because of BoA 's fault!!!

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 2021-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I opened a loan with loanme me and originally had an issue with payments therefore i was offered a settlement, i made my payments on time and at the second to last month of my payments i was advised my loan was transfered to XXXXloanme branch. I was advised the branch did not have the updated terms of my loan but that i could pay the balance and would receive a close out notice. There is a new loan open under my name that I did not my payment was accepted and I never received a close out notice. Customer service reps transfer me around whenever i am able to get in contact i am concerned a false loan will be placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX in this website I did a complains agains Chrysler Capitel because my request was to SHOW AS the conversation I have with each representative after the repossession of the car in which I still have a debt with them. 

Even they sent me a letter by mail that said " YOU CAN GET YOUR CAR BACK ANY TIME BEFORE WE SELL IT BY PAYING US THE FULL AMOUNT YOU OWE including expenses. TO LEARN THE EXACT AMOUNT YOU MUST PAY, CALL ... '' In this letter does NOT said " let me see if you qualified to get you car back '' as you can read in the previous parragraph. ( attached letter ), The representative that didn't allow me to paid the amount by phone it could be any of this names " XXXX '' or " XXXX '' or '' XXXX ''. 
Did not gave me the opportunity to talk with any supervisor. 
I call several time a requesting a supervisor, none of the representatives English or XXXX speaker didn't allowed me to pay my car or connected me with a supervisor. 

Because the previous representative decided not to sell my car even I had the money to pay and I can show in the statement of my back account. 

Meanwhile, I have to rent a car three times and to buy a second car to move between XXXX and XXXX long drive and have the debt with Chrysler Capital.. 
They sold my car a XXXX XXXX  XXXX and then I received different emails with different amount of how much I own and still in the response that they gave here in the past complain the send a old amount. 

I also said to the representative " XXXX '' if I am not wrong this is her name, that I wanted the supervisor or I will hire a lawyer and he will listen this conversation. 
She also told me " GOOD LUCK WITH ANY LAWYER THAT WILL HELPED YOU TO REQUEST THE CONVERSATIONS AND SHE WAS THE SAME THAT DIDN'T'T ALLOWED ME TO TALK WITH A SUPERVISOR '' And my following calls to try ro talk with different representative in English or XXXX, all of them told me the same NO SUPERVISOR and NO POSSIBILITY TO PAY THE DIFFERENT OF YOUR CAR, TO TAKE YOUR CARE BACK. 

I am requesting all the conversation I have after the repossession, because they didn't allowed me to paid the different and continue with my car. 
And I would like to finish with the representative " XXXX '' how she also remains of " HOW THIS WILL AFFECT THIS MY CREDIT SCORE. '' I am requesting all the conversation I have with Chrysler Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The 'annual free credit score ' link in your website : XXXX XXXX XXXX.action leads users to a labrynth of links that ultimately do not resolve into a credit score unless you have a link map that will navigate the user through multiple 'enter your credit card ' pitfalls into something that will actually tell you what your credit score is. I know the agencies to whom I owe money. I just want to know if I can rent an apartment, buy a car, or qualify for a mortgage. Can we please just have a clear indicator of what our scores actually are? This is insane, seriously. This link is not a bridge to a free credit score. It's a shameless hand out to credit companies trying to talk responsible adults into taking out more lines of credit.

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 2021-05-21 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: GA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
As of today upon checking my credit profile I noticed that it had dropped nearly 300 points very recently. As it so happens Kohls has closed my card with 0 notice, thus wiping out 7 years of good standing credit history with them. They claim it was for inactivity, which, while true, does not account for the fact that I, like many others, have not been making a habit of public shopping due to the COVID pandemic. 

I called their helpline and was met with not only uncaring representatives but one downright rude supervisor who consistently cut me off and spoke over me many times. Refusing at all to assist me and and telling me only, " it's against policy to change this ''. I would understand such if I had a history of bad standing with them but that is not the case. 

I'm working on building a house currently and due to their actions they have dropped my score enough that they are putting my family and I 's new home in jeopardy. As of now, XX/XX/2021 I have left a detailed message with the rude supervisors chairman and awaiting a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 Conns offered me a settlement of {$3800.00} to settle my account with them. I paid the settlement amount of {$3800.00} on XX/XX/2020 at XXXX. And still to this day my account has not been closed. It is still showing that I owe on this account and I have been getting late payments on my credit every month for this account after my settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unresolved issues with Experian. I was part of a class action lawsuit through State Of Mississippi District Attorney under the claimant name of XXXX XXXX. Which the state won due to incorrect information being added to consumers reports. 

I am still having major issues going forward. 
There are several names that are not even me, as well as a social security number ending in XXXX. 
I Never had a name of XXXX XXXX XXXX, or XXXX XXXX XXXX. Addresses in California at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and so many other I can not even write in statement. 

Never married or co applicant with a " XXXX '' Below is now a list of the accounts i have attempted to rectify by mail or even called. : XXXX XXXX XXXX  XXXX was paid off by agency they transferred it too so how can it be a charge off/written off debt. 

XXXX  XXXX XXXXNever owned an account with this company/person. Have inquired with this company that has no information to provide in regards an account. Called Experian on this account 3 times and still no proof of anything. 

-XXXX XXXX XXXXXXXX Duplicated information is listed multiple times on this credit report. I have 3 student loans in deferral status due to bankruptcy. This is listed on my credit 7 times. 
- XXXX XXXX XXXX XXXX page XX/XX/XXXX. This is ex husband XXXX XXXX Debt effective XX/XX/XXXX per divorce. 
-Page ( s ) 20-31XXXX XXXXXXXX XXXX XXXXXXXX are in XXXX bankruptcy should not reflect written off. They updated this information in XX/XX/XXXX, I have been in bankruptcy since XX/XX/XXXX. Balance ( s ) are not correct. Please Correct or remove as this is a violation of Bankruptcy law. 
-Page 32 and 34XXXX company sent written statement to advise they where unable to locate an account. as of XX/XX/XXXX they mailed letter stating that debt was sold to XXXX XXXX at which XXXX XXXX has no information on an account for consumer. 




-

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 2021-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Mortgage company : Freedom Mortgage Loan No. : XXXX I was approved for a forbearance plan due to the Covid pandemic ( CARES ACT ) by my previous mortgage service provider, XXXX XXXX 
Start date of Forbearance : XX/XX/XXXX. 
End date of Forbearance : XX/XX/XXXX ( total duration - 12 months ) My mortgage account was transferred to a company called Freedom Mortgage, effective XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Freedom Mortgage and informed them that I was ready to exit the forbearance plan and start making regular mortgage payments from XX/XX/XXXX. 
In a decision letter dated XX/XX/XXXX, Freedom Mortgage informed my in writing that I was eligible for a " Covid-19 Combination Partial Claim and Loan Modification '' option. I signed the letter and sent back to Freedom Mortgage for processing. 
As for today ( XX/XX/XXXX ), Freedom Mortgage has not processed the documents necessary to exit the forbearance plan. I have made numerous phone calls to Freedom Mortgage customer Service and each time I was told that the documents are in processing. 
I was informed in one of the phone calls that the target date for my regular first payment would be XX/XX/XXXX. I called Freedom Mortgage customer service again this morning enquiring about the processing of the documents and I have been give the same answer - documents in processing, no time line as to when they will be completed. I have been quite anxious dealing with Freedom Mortgage, as my personal experience is that there is very little coordination between different departments of the company. It puts in high risk as one department, oblivious of what is happening, may start a foreclosure action against me, while the customer service department is reassuring me that everything is fine and that I do not need to worry. 
I believe I face great risk due to the inaction by Freedom Mortgage in processing the forbearance exit documents.

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 2021-05-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My card was charged for {$90.00} cents for a unrecognized vendor. I disputed the charge. Capital One reversed it but day later after a " investigation '' ( did nothing ) put the charge back on my account. Stating that " I PURCHASED MERCHANDISE. '' This in spite of that day being two other fraud charges that were caught and reversed. 

Gasoline station in XXXX I made a valid charge for gas. The attendant or coworker must have swiped the card in other portable terminals because from that time ( 2 ) other charges were attempted. There are signs at the gas station warning of this. In the blink of an eye, without approval, the card was swiped on different readers. 

One for {$230.00} for a gasoline station was flagged by Capital One 's system and declined. 

The third, a vendor I have absolutely no knowledge of. Capital one said that there is nowhere else I can go within the company to dispute their " determination '' that I was already talking to the right department. This same experience on multiple calls to resolve. Only once did they commit to a callback by executive offices - resolution department or some made up name. Nobody ever called. I call asking for similar departments then they require a NAME to transfer a call. Nobody uses first and last names. Is impossible to resolve within the company. They have denied my right to dispute and refuse to give the process ( as required by law ) or address to file a written complaint. 

I closed my account. 

One was caught by

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding, LLC at XXXX XXXX  XXXX XXXX, SC XXXX, has reported an account on my credit report with a balance of {$870.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. Resurgent Capital Services claims to manage the account but LVNV Funding, LLC still owns it and is the one reporting it. I do not do business with either of them. 


- NO CONTRACT

Company response to consumer: Closed with explanation