vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back in XXXX of 2020 I file my first dispute with all 3 credit bureaus. 
I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.

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 2021-01-06 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: CA

Complaint narrative:
Back in XXXX of 2020 I file my first dispute with all 3 credit bureaus. 
I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

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 2021-01-06 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: CA

Complaint narrative:
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: ATG Credit, LLC
State: IL

Complaint narrative:
i have a medical debt on my credit report that does not belong to me, i have not seen or had this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few days ago, I submitted a dispute to an item in my Experian credit file via their online portal. Since that time, I have been receiving daily email advertisements from Experian that are unrelated to my dispute ; the latest was an ad for some sort of " dark web scan. '' Clicking the unsubscribe link in the message shows You are currently unsubscribed. However, the message itself also states : This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. 

15 U.S.C. Chapter 103 requires senders of commercial email messages to provide a working opt-out mechanism. They can not choose to simply ignore my previous request to unsubscribe. 

Experian does not have my consent to promote their goods and services to me via email. I provided my email address because it was required in order to dispute the false information in their report. Using it for advertising purposes is immoral, and refusing to honor unsubscribe requests is illegal.

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 2021-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TIDEWATER FINANCE COMPANY, INC.
State: MN

Complaint narrative:
I obtained a Tidewater credit line from one agent in a XXXX XXXX store ( XXXX XXXX, MN ) in XX/XX/XXXX. While he quickly walked us through the terms, I believe he intentionally concealed / lied/was deceptive about interest and falsely represented this product to be interest free for one year upon which interest would resume on the balance. I signed up and paid without fail, over {$200.00} a month in hopes to pay off ASAP and avoid interest. When the year was up, they added {$500.00} of interest in the balance and warned to increase daily interest at 34 % daily if I don't pay immediately. I paid {$290.00} which was owed and requested to have the interest cancelled or resolvedas I believedI had been fraudulently misguided. 
They refusedandhave sincecalled several times harassing me and more recently ( XX/XX/XXXX ) an agent called XXXX ( ID ) called and asked me to use my stimulus pay to off the balance. At this time, they are refusing any attemptto resolve the issue of stop the interest accrueduntil the issue is adjudicated. 
I am writing in hopes that you are able to intervene in any way to prevent furtherdistress and offer relief to me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX/XXXX  XXXXXXXXXXXXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXXXX Balance {$320.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXXXX Balance {$230.00} XXXX  XXXX XXXX  XXXXXXXXXXXXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Balance {$55.00}

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is a variation of the previous complaint XXXX : On XX/XX/2019 I sent a check made out for {$4800.00} to XXXX XXXX XXXX XXXX for closing costs on a mortgage from Loan Depot. I mistakenly made out the check to Loan Depot instead of the title company. On XX/XX/2019 I cancelled the mortgage contract in the manner specified by Loan Depot. On XX/XX/2019 someone cashed the check via bank number XXXX, account number XXXX, routing transit number XXXX. I was contacted by a representative of XXXX XXXX XXXX XXXX on XX/XX/2019 who said he was aware of the transaction and wanted to help. It has been two weeks and no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CT

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2021-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC
State: VA

Complaint narrative:
I recently refinanced my VA home mortgage with Apex Mortgage. Closing on this refinancing took place on XXXX, 2020. The Apex mortgage adviser who coordinated this refinance process was Mr XXXX XXXXThe original loan was with XXXX XX/XX/XXXX 

The final Loan Estimate provided to me prior to closing on XX/XX/XXXX, was issued on XXXX XXXX, 2020 My complaint is that the I feel that I was knowingly mislead by Mr. XXXX in our discussions prior to closing, and that the figures on the Closing Disclosure that was presented to me at time of closing were not the same as the figures on the Loan Estimate provided to me on XXXX XXXX. This discrepancy is especially true regarding " closing costs ''. ( see attached ). The estimated closing costs as indicated on the Loan Estimated is {$4300.00}. The actual closing cost as indicated on the Closing Disclosure is {$5.00}, XXXX. I did not see these figures prior to Closing time on XX/XX/XXXX. 
The Loan Estimate indicates that there would be {$0.00} cash required at closing. The Closing Disclosure presented to me at time of closing, indicates that cash required at closing is {$860.00} All discussions with Mr XXXX prior to Closing, he assured me that I would not have to come up with any cash at time of closing. This was one of my main issues prior to agreeing to refinance with Apex. Based on my prior discussions with Mr XXXX, and based on the information provided to me on my final Loan Estimate, I refused to write the check for {$860.00} at time of closing. We then completed the closing process. My final closing costs ( {$6400.00} ) was {$2100.00} more than my Estimated Closing costs ( XXXX ) When I contacted Mr XXXX regarding this matter, he assured me that this {$860.00} charge had to do with my escrow account, and that I would be receiving a refund of escrow money from XXXXXX/XX/XXXX within thirty days. We also agreed that when I received my refunds from XXXXXX/XX/XXXX that I would then send him the check for {$860.00}. Mr XXXX had me sign a Promissory Note to pay the {$860.00} upon the receipt of my escrow refund from XXXX XX/XX/XXXX I eventually received a check for {$19.00} from XXXX XX/XX/XXXX 
I am filing this complaint because I firmly believe that I was knowingly provided false information regarding closing costs of refinancing with Apex mortgage. Mr XXXX is not returning my phone calls. 
I appreciate any help that you can provide in resolving this issue Thank you XXXX XXXX Attached are copies of 1 Loan Estimate ( 2 pges ) 2. Closing Disclosure ( 2pges ) 4 Attachments

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I sent a check for my Lowes credit card to Synchrony Bank on XX/XX/XXXX in the amount of {$700.00}, which was the full amount due on the statement. On XX/XX/XXXX, I received an email from Synchrony Bank that I was delinquent on my account and that I was being charged late fees and interest. I spent 10 minutes trying to get past Synchrony 's automated " customer service '' and then another 30 minutes waiting on hold before I finally gave up. With no idea of how long it would take to ever get the issue corrected, I cancelled the check ( {$35.00} fee ), paid the late fee, interest and amount due online, and then cancelled my account. I believe Synchrony is operating in bad faith. Trying to unfairly charge customers for late fees and additional interest payment, and then hiding behind an impenetrable, everlasting delay to speak with a live representative.

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 2021-01-06 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: AFNI INC.
State: IL

Complaint narrative:
I DO NOT RECALL HAVING THIS ACCOUNT AND I WAS NEVER NOTIFIED OF THIS DEBT, IF I HAD BEEN I WOULD HAVE PAID IT PROMPTLY. I DONT THINK IT SHOULD HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT ME HAVING A CHANCE TO DISPUTE OR RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One violated my consumer rights pursuant to 15 USC 1692 j ( a ), " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ''. Attached it each time the company has contacted me with a bill not stating it was a debt or the collection of a debt. I have contacted the company wit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As an XX/XX/XXXX CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

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 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This loan was a result of identity theft and the company refuses to take it off my credit report.

Company response to consumer: Closed with explanation