vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The company Credit Acceptance is reporting a car loan on my XXXX credit report which does not belong to me. It has already been deleted from XXXX and XXXX XXXX but they insist on reporting it on XXXX. I have never been to the state of Minnesota where the loan was obtained and the car purchased. The Loan is in the amount of {$9300.00}. I even paid for the XXXX report on said car and do not recognize any of the information displayed on it. I have disputed with XXXX as well and they refuse to delete this information. I am not able to close on a house due to this fraudulent information. I have also opened a ID theft case on the government website. 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 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I have been making attempts in getting needed documents for personal reasons on several occasions with Loan Depot. This all started approximately end of XX/XX/XXXX and has been going on for the entire month of XX/XX/XXXX. I have been misinformed and lied to by several customer service representatives and Senior Managers in the resolution department one of which was named XXXX who was extremely rude. I have been hung up on numerous times. On XX/XX/XXXX I put The request in for what they refer to as a free form letter confirming information about my mortgage. I followed up daily with loan depot knowing their history was not strong and was told daily from XX/XX/XXXX through XX/XX/XXXX that the letter was being done and needed to be processed. On XX/XX/XXXX I followed up to check its whereabouts and was told give it another day. I didnt receive anything the following day XX/XX/XXXX and reached back out. When I reached back out I was told it was mailed to me. I then called later that afternoon to request it to be faxed and spoke again to XXXX in the resolution department who was extremely rude and was told the letter did not exist. What she told me contradicts what every other representative told me. She then told me there is nothing to talk about, Im not going there she then against my will transferred me to another department. Loan Depot as a whole has failed to produce all requested documents. Their customer service has been awful and less than satisfactory, they have also falsely reported to credit agencies in the past on my behalf which I had to fight to get resolved. I am looking for assistance in obtaining the necessary documentation I need to move forward with accounts I have with other companies. The information I am requesting they will confirm via phone but are refusing to give supporting documents. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
I recently looked back at the life of my student loans with Navient. My complaints are two part : 1. is I let them auto apply my payment, since it would be easy. I discovered that their auto payment process, allocates the majority of my payment to the low interest loans. The high ( 6.8 % ) interest loans were paid {$30.00} a month vs. the low interest ( 2.5 % ) loans of similar amounts had $ XXXX dollars applied to them per month. This equaled a lot more in interest paid each month than there should have been over the last 6-7 years.

2. The second issue is how interest is applied month over month. Many months when larger payments were made, the following month had more interest charged ( as much as $ XXXX more per month in interest ) than the previous month, even though there was less principle to charge interest on. The payments were made ontime every month for the last 7 years. So I don't understand how and why many times interest charges fluctuated by as much as {$50.00}. Over 7 years. {$18000.00} in interest charges were paid out of {$42000.00} paid. With the largest interest rate being 7 %, And many of the loans at 3 % this is ridiculous! That's 50 % interest or an average of 7 % interest per year. Higher than the interest rate on my most expensive loans! And I was paying significant principle payments over those 7 years! I would like a full accounting of where my money went?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I requested a complete payment history of these accounts for me to review the exact date on which the late payments and collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING MIDLAND FUND ACCOUNTS FROM MY REPORT IMMEDIATELY : MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$470.00} MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$690.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX A ) XXXXBalance {$780.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX XXXX ) -XXXXBalance {$840.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX  ) XXXXBalance {$530.00} MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$370.00} MIDLANDMCMXXXXBalance {$370.00} MIDLANDFUN-XXXXBalance {$840.00} MIDLANDFUN-XXXX-Balance {$840.00} MIDLANDFUN-XXXX-Balance {$690.00} MIDLANDFUN-XXXX-Balance {$470.00} MIDLANDFUN-XXXX-Balance {$530.00} MIDLANDFUN-XXXX-Balance {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have created an account on Transunion website where they are supposed to make a credit report available for free. Despite multiple attempts that included the following I am not able to access my free credit report. Calls to their customer support don't lead to a live agent but endless menus and are terminated with a message stating that a report will be mailed to me. 

1. I complained to Transunion on XXXX that I couldn't access my credit report. 
2. Transunion customer support asked me to use different browsers, clear browser cache etc that didnt work. 
3. Transunion deleted my account and asked me to create a new one. That didnt work I still kept on getting the " we are unable to complete your request online '' error 4. After multiple pleas to Transunion customer support on XXXX they provided XXXX phone number. When I called this it consisted of numerous long sales pitches for their product which I declines. After I got " let me get you someone who can help '' prompt the call jumped again to the main menu.

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 2021-09-30 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

My wife and I moved from XXXX to XXXX in 2019. XXXX claimed we still owed them {$220.00}. They could not provide a statement with the charges, and our account online showed {$0.00} balance when we left them. 

After going back and forth they simply turned the matter over to a collection agency, who then, in turn, reported to Experian to force us to pay while we still did not get a statement of fact. 

We eventually paid the {$220.00} last year to make this go away, but this cost my credit score 60+ points. 

We filed a complaint with Experian but they use their bureaucratic process to justify keeping this on my report. 

This entire process is stacked against us as consumers and is being abused in this specific case by XXXX, the collection agency, and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
I went with 'Better ' mortgage to purchase an investment property. They offered competitive rates so I thought, why not? It's an investment property and every lender credit/lower rate helps. 

The number of tasks you need to complete to get your loan reviewed is unending. You think you're done and then you receive a wave of new tasks. 

Fast forward, FOUR MONTHS LATER, closing was scheduled. All well and good until CLOSING DATE. 

CLOSING DATE -- XXXX - reached out to loan officer and he cloud not provide status. Promised to get back to me. Then I get a call at XXXX -- the terrible news -- " We can not close today because our HOA team just realized that the units sold/under contract in the condo building are not above 50 % '' " We need to get an exception from XXXX XXXX '' . 

SERIOUSLY? 

Me : Why was this missed? 
Me : What was your HOA team doing from the day I put in my application over 4 months ago? 
Better Mortgage : Oh our HOA team was not on top of it. It's our fault and we take full responsibility. 

Me : Am I the first customer that has experienced this? 
Better : No, it's actually happened at least once before. 

Me : So why the heck did you not put appropriate controls in place to ensure this does not happen again? 
Better :.. 
Better : ... ... mute.

Better sent me an email days later saying they will deny the loan request. 

THIS IS THE WORST BORROWER EXPERIENCE I HAVE EVER HAD. 

Unbelievable and shocking that a company that positions itself as a disruptor to the mortgage industry can operate in this manner. 

I opened another loan application with XXXX  Lenders - terrific company and I was able to close the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Early in 2020 American Express charged my account for a XXXX car rental where my card was not used and not on record with XXXX. The contract rental was on a Visa. 

I requested more than once that AMEX explain how that charge was allowed and informed them of the Visa used. 

No meaningful response or explanation to date has been provided as to how this came to be. 

American Express informed in XXXX the charge was not fraudulent. My view remains that the merchant 's attempt to collect from American Express was fraudulent given they did not have a record of my card nor my card used ( a Visa was ). 

On that basis I request the American Express also provides a copy of the original rental agreement that supports the charges they apply to my card/ account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The LVNV FUNDING LLC is a corporate account and was mistakenly reported on my profile. The 3 Credit Bureaus had their record-keeping been accurate, and no complete payment history was provided. The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/21, I was not able to use my Citi XXXX card at my local XXXX. After several tries, I still couldn't use it. On XX/XX/21 at XXXX, I received an email from Citi saying that they needed to speak to me because they suspected fraud charges on my account. I went online and there weren't any unfamiliar charges. Today, XX/XX/21, I called at XXXX ( and spoke to 4 different reps ), who sent me through a long process of verification that was not only outdated but borderline predatory. I was asked for a home phone number, to which I replied I didn't have, then was asked for a different credit card, which I didn't have, then was asked for a family 's phone number, which I didn't feel comfortable giving, but at this point 1 hour in, I relented, and she said it wasn't able to be used as a verification method. This went on for a long time as I was asked for a lot more personal information, and I was told the only way to use this credit card again is to wait for a letter in the mail. I have so many things I need spend money on and I absolutely can not wait 1-2 weeks for a letter to come. I feel like Citi 's practices here are predatory and outdated, especially for a credit card that has an annual fee of {$95.00} on it. I tried 4 different reps and no one could help me.

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 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My mortgage Forbearance is due to expire TODAY. I have been trying to find out from Citizens Bank what I need to do to start making my payments again for over a month. Their process is unlike any other banks ' process that I am familiar with ( I have rental property mortgages with other banks ) ; they are asking for tax forms and other documentation not required by the other banks. Furthermore when trying to understand their requirements the only people I can talk to are in another country, difficult to understand and the telephone connection is ALWAYS poor. I spoke to three different reps this morning who I could not understand. The customer service dept at citizens bank is unreachable. I have complained to a local brand manager who also could not understand the requirements, and has filed a complaint with citizens on my behalf. I have still not been contacted by anyone! I made the XXXX mortgage payment, though I am not confident it will credited properly and still have no idea how to get out of the forbearance program! The attached form indicates the documentation required by Citizens. NO OTHER bank required this to end the forbearance program I was on. I don't want to request loan modification and can't pay back the total due to come out of forbearance. I SIMPLY WANT TO ADD THE TOTAL DUE ( {$19000.00} ) TO THE END OF THE LOAN IN A NON INTEREST BEARING ACCOUNT ... JUST LIKE I HAVE DONE WITH MY OTHER MORTGAGES. Citizens Bank has made this process impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a closet with the container store in XX/XX/2020. My purchase qualified for the 24-months special financing. To be eligible for the promotion, I had to apply to the store credit card managed by Synchrony bank. During the application process, a card security fee was automatically added to my account without my knowledge. For the past 20 months, they have been charging me a card security fee ( every month ) along with interest fees. 

I was unaware of the charges because I set up automatic payments that would add to my purchase amount when I got the credit card ( I calculated how much I needed to pay per month to finish my debt within 24 months ). To my surprise, when I wanted to pay it sooner, I was owing to them way more than my original purchase price. I have called them and argued, and they have refunded me some of my money, but there is still a balance of {$530.00} that they refuse to refund me.

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