vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$XXXX} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
2 credit accounts were opened in my name with the credit limit of {$500.00}. My credit accounts were supposed to be frozen and I was in the midst of a bankruptcy when these accounts were opened. I did not open these. 
I spoke with a representative at XXXX XXXX XXXX and reported this as fraud and they assured me this would be taken care of. I have yet to speak with Capital One. I just noticed this fraud today and will be speaking with someone after I file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: AL

Complaint narrative:
Due to the XXXX XXXX, I have been sick a few times and miss work because of it. I have fallen a month behind on my loan and told the company that I will always be a month behind and I'm still making payments. I don't have the extra to catch up the outstanding balance to bring it current. I told them that and they won't defer my miss payment and will call me to get it brought up current. I'm tired explaining to them that I don't have the extra funds to bring it current and want to recognize cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XXXX/XXXX/2021, I received a TDBank Equity Loan approval letter indicating 5.890 % interest rate. 

On XXXX/XXXX/2021, I received paperwork indicating 7.99 % interest rate. 

I spoke to XXXX XXXX, loan coordinator and he stated that he was sorry for not mentioning the information and it is because of the appraisal being lower than projected. 
I asked where that possible interest rate change was mentioned in any of the paperwork. He stated there is no documentation mentioning this possible change in interest rate. 
I spoke with TD supervisor, XXXX XXXX XXXX. I explained my concern that the interest rate went up drastically 2.1 % without notice. She stated it was the appraisal and that the 5.890 % should not have been quoted in the paperwork and nothing can be changed. 

This is a clear case of bait and switch. 
I needed to do through the closing because I have to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I have a loan that has been sold to XXXX XXXX and the servicing records are not correct. I have repeatedly reached out to the original servicer and new servicer, but they have not corrected this nor provided any conclusion. Basically, the file transferred did not reflect my XXXX payment, which was made on XX/XX/2021. I have received statements from the original servicer reflecting the payment and provided statements reflecting this to the new servicer. I am also without these funds, as they were withdrawn via XXXX through a file originated on behalf of the original servicer. 

My loan was formerly sub-serviced by The XXXX XXXX XXXX ( XXXX # XXXX ). The servicing was transferred to Specialized Loan Serving ( XXXX # XXXX ). 

I have reached out Specialized Loan Serving via email on the following dates, providing them detailed support : XX/XX/2021 XX/XX/2021 Additionally, I have reached via phone to Specialized Loan Servicing on multiple occasions and they have recordings and details of all of these calls. Lastly, I've reached out to The XXXX XXXX to no avail. For this reason, I'm reaching out to the CFPB. 

My loan is now appearing as past due and Specialized Loan Servicing ( XXXX # XXXXXXXX ) is subjecting me to collection calls and correspondence, which is inappropriate given the fact that I have reached out to them on numerous occasions, as I am not past due - they just have bad records. 

I hope the CFPB can direct my complaint to the companies, XXXX XXXX and/or the appropriate regulatory authority to help address this simple, but personally significant error.

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 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: MA

Complaint narrative:
I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from EQUIFAX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
I noticed that there was a collections item on my XXXX credit report and desputed it and it came back as valid however i am disputing an address that was also on my XXXX credit report that i never lived at and it was removed so i have reason to believe that tye person or persons who ooened this account used an address. With my name and as a result it was put on my credit report as owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and XXXX have deleted XXXX XXXX from my account because of inaccurate information. However, TransUnion has continued to break the Law pursuant to 15 U.S.C 1681 by reporting inaccurate credit information on my credit report. 

I have a letter from XXXX XXXX XXXX XXXX stating this account has a balance and past due amount of ZERO.

If the account has a balance of ZERO, then why is TransUnion reporting this account as derogatory?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: DC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report REGIONAL ACCEPTANCE is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also REGIONAL ACCEPTANCE is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )

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 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am a federally protected consumer I contacted Capital One on XX/XX/2021 regarding my account. I specifically told Capital One that by law pursuant to 15 usc 1602 ( j ) they have not balanced out my open ended consumer credit plan. This account is associated with an open ended consumer credit plan as described in 15 U.S.Code 1637. I am aware this account has not been balancing out every month using the funds from the trust account from my principal obligor. I demand my open ended consumer credit plan be corrected and to balance out my account every month to rectify the bank errors caused by mismanagement of payment. Without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. 
I also stated that according to 15usc 1692 the fact that they say I owe anything is misleading. I am the original creditor of this account when I provided my social security number to open this card. I XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor. I also demand a certified copy of the original certificate of indebtedness in order to verify the alleged debt is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will serve as proof Capital One acted without ordinary care, good faith, and has indeed performed illegal activity in evidence to this subject matter. I demand that all late payments be removed and correctly reported on my consumer report 15 U.S.Code 1691 ( a ) ( 3 ), 15 U.S. Code 1681b.

CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT DUE TO ME DISPUTING INNACURACIES GOVERNED MY CONGRESS LAW. CAPITAL ONE GAVE ME XXXX EXPLANATION VIA MAIL WHY MY ACCOUNT WAS CLOSED. THEY ALSO REPORTED THIS INNACURATED/DISPUTED INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION PURSUANT TO 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Awhile back my XXXX holder for my vehicle began adding amounts to my auto debited monthly car payments, claiming it was for car insurance, because they claim I didn't have any. My car insurance coverage is debited from my account automatically so I didn't understand what my car company meant. Because they included it with a regular monthly car payment, I had to request them pay me back which the 'manager " XXXX and XXXX XXXX XXXX. I even deposited it into my bank again to cover the excess they took out which would have effected other bills I had to meet. 
Needless to say they did it again this time separate from the car payment, but none the same using my method of auto pay. I asked my bank to stop payment as it was pending 2 days before due according to my car loan agreement. Yes I also asked for the funds to be restored as usable to my account to meet my monthly needs as I can handle my own affairs that XXXX not involve a bank debit, etc. I XXXX need the cash. Simple. 
It is mine per deposited earnings, right???? Maybe I'm confused? I doubt it. 

I was told to submit a claim online through the online access set up. I did. The funds became available. This wasn't the first time so My car loan was taken off auto pay and I pay them cash -- if there. My bank has reversed their decision. 
They claim they believe the car ( XXXX XXXX ) dealer, XXXX XXXX, as to the outrageous claim of no insurance though my account reflects a monthly auto debit ( {$120.00}, paid to XXXX XXXX XXXX ) to cover the premium. Shouldn't my bank look there? Something's amiss. 
Yes I declared they were being XXXX as to taking sides when the evidence is within my account. Totally 'sic ' My words to XXXX XXXX Chase Bank XXXX a XXXX she claimed. Same as the call from XXXX -- branch escalation group -- XXXX, XXXX. People working from home or not... they way business is being treated seems off especially when I can alidated my time and use of my account and all other transactions not ones I'm authorizing yet this XXXX XXXX don't deserve the consideration to change the results and activity yet alone I don't have the right to challenge what's going on with my money. 
About XX/XX/2021, XXXX allowed a debit from XXXX 's XXXX XXXX, of XXXX, TX, claiming I charged {$100.00}. worth of services. XXXX is like XXXX miles from my residence. I wouldn't know where to service my car and never would in XXXX. XXXX I don't live nor frequent the area. Someone want 's to tie up my activities in XXXX loyalties... I am not playing that sickness with my money nor career.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: MA

Complaint narrative:
I disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report XXXX XXXX is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also XXXX XXXX is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )

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