vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc.
State: CA

Complaint narrative:
I started my refi in XXXX of 2020. I have made over 30 phone calls to loan cabin and only received one call back once from my loan officer. I have sent over 50 emails with few responses. After 5 months they told the XXXX they were waiting on XXXX docs, which I authorized in XX/XX/2020 but they never requested from the XXXX. Then after I have the XXXX send in required docs I hear nothing from Loan Cabin despite multiple phone calls and emails, even though Loan Cabin promised to follow up. Now they say the XXXX made a mistake and they are waiting on a response. When I contacted the XXXX they said they sent the update paperwork the same day over a week ago, which leads me to believe Loan Cabin can not check their own emails. If you want to refinance your home go somewhere else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The company by the name Midland funding is trying to make me pay a death from over 7 years that dont be long to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: CA

Complaint narrative:
Started refinancing in XX/XX/2020. Was told XXXX XX/XX/XXXXI wouldnt have to pay mortgage. The was told XXXX I wouldnt have to pay. Then XXXX I wouldnt have to pay. Was told it was with closing team and would be done early XXXX. I waited to pay mortgage because of assurances it would be completed. I then realized i was dealing with a liar, and had to pay on XX/XX/XXXX with a late fee. The lender doesnt communicate info needed or process when he has information. Recently realizing that only by repeating texts/emails/calls, that responses will be made by company. I have numerous dates of signing promised, that hasnt happened and have asked repeatedly to inform me, when target dates do not happen. Worst costumer service Ive experienced. Nations lending corporate has been contacted multiple times and they dont respond either. Signing was said to be XXXX. Then XXXX. Failed to follow through. I told XXXX XXXX ( nations lending manager in XXXX XXXX Ca ) that if he doesnt follow through with his promises again, that Id go somewhere else. He said signing would be monXXXX or Tuesday XXXX. Its still not done. He told the previous lender today hed call me today. He didnt. I sent complaints today email/text. At XXXX XXXX  he emailed saying i need to make appt to speak with him. I responded with, when u break commitment, u should inform me of whats going on. Ive been treated very poorly by this company. If hed have been transparent, Id have went with another company.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union will automatically be switching my free checking account to a paid account without my permission. Though I have the option to opt out, it is not ethical for them to enroll me in a paid program without my consent. I should not have to spend 45 minutes + of my personal time to get my account back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called due to issues with accessing the website to submit a dispute and the agent on the call insisted on knowing why I needed to call. I advise I had an issue with Chapter XXXX on my credit and needed to access report to review the information reporting on the actual report with Equifax. The agent proceeded to reassure me that this information would not be removed without offering to do a full investigation. She was unwilling to offer to submit the request. She then moved on to assisting with getting access to the account. We were on the phone for nearly an hour when she finally verified the email that I was using was incorrect. We tried accessing with the correct email and that did not work. She then verified for home address and what she provided was invalid.. She quickly offered to update my address. I am still at this time not able to access the account. When I asked about the dispute process. She repeatedly asked why did I want to dispute the BK. She was short and rude and would not allow me to explain the issue. I told her of how I felt about the treatment I was recieving and she responded " As long as you have credit you will have to deal with us. '' I told her that I was upset she paused. and responded ... IS ther anything else. At that point I needed to disconnect the call before my emotions became escalated. This organization does not care about the consumer and is not willing to help resolve any credit related issues. Just an overall horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just received results of my verification I requested from Experian. They state that the result of my dispute ( different from a verification request ) was an update to the status of the account : XXXX XXXX # XXXX. Their statement : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
They indicate that Status was update on the accompanying documents. Upon review there is no difference from the before dispute and after dispute results which is different from the claim from Experian that the item was updated.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. 

I have raised this issue with Capital One since the pandemic forced my company out of Business. 

Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. 

The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. 

The business is CLOSED. There is NO income. Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years? This is a predatory act on the part of Capital One that needs to be resolved ASAP. 

Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Letter of Intent to Sue Dear TransUnion This letter serves as the formal notice of my intent to file a lawsuit against TransUnion for the many willful violations and/or negligence allowing inaccurate information to be on my TransUnion credit report after several factual disputes filed by myself over the last 5 years. I have filed disputes online, by mail and phone clearly stating and providing proof of many specific inaccuracies on the XXXX XXXX XXXX  account. 
Your replies to the disputes claim everything is accurate. I have gone through my entire account history with XXXX and 41 out of 65 months that are being reported are inaccurate. 
Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This is not my XXXX account, it is not possible to have 41 out of 65 months of inaccurate reporting and have it on my credit report saying that I own this account. Im requesting you to delete this account from my credit report immediately or I will initiate a lawsuit and pursue punitive damages of {$100000.00}. 
Your prompt attention is appreciated,

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX  its over 7 years its there

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 2021-01-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My issue is with Experian allowing fraudulent information to remain on my file. I have presented legal documents such as ; police report, FTC identity theft report, .theft affidavit etc. I have ask for sign documents from creditors with my signature..They have not presented me with any proof that the following items contained in my credit report are in fact belongs to me ( XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) ..Experian have not done investigation as described in the FCRA involving identity theft..Someone have opened accounts perpetrating my identity, for several years I have tried to resolve this unfortunate incident with Experian.I was advised to put consumer statements on my file..However, this does not fix my issue..When trying to purchase a house for me and family ... A consumer statement on my file does not help..I need Experian to properly investigate these accounts or remove them permanently from my credit file..I demand proof such as, documents with my signature from creditors..Consumer 's have an unfair advantage when it comes to disputing information contained in there file, particularly fraudulent items..Contacting creditors and verifying information match what they have on file, is not an investigations described in the FCRA.. Credit bureaus have been getting away with falsely investigating disputes..Something needs to be done in reference to credit bureaus not investigating consumers reports..I am reaching out to CFPB to make people aware of how Experian does not investigate information properly and to have the foremention accounts removed from my credit file..Thank you for your time and attention in regards to this matter.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/25 I inquired about a loan to pay me backrent with a company called XXXX  XXXX XXXX and they told me that I would be approved for a loan of XXXX and would have 48 months to pay it back. And I accepted they asked for my bank information I provided that. Then they filed disputes on my bank account and took XXXX dollars from me and now do not answer my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries 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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America first credit union is trying to Force everyone into a premium banking account for a monthly fee and if some people dont see it they automatically enroll you and charge you for a premium account unless you call or go to the bank and tell them you dont want the premium account and with the covid going on its just too much of a headache for everyone right now to just say hey we want to charge all of our valued customers to make more money off of you pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Original contract was not correctly drawn, the car deal removed my daughters name off the car to get qualified without my knowledge. I was only the co-signer. They knew she would not qualify so the removed her and only ran the application with me on it without her and thats fraud. I contacted the agency and the said I was the only person on the contract. It was never just my car. The care belonged to her. The advised me that if I paid XXXX cash they would remove account. The guy send another deceitful letter and took my XXXX and applied it a payment and not a settlement. Again fraudulent. This company XXXX XXXX / bridge crest need to be investigated. Im sure Im not the only person they frauded

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX Government Services, due to financial fraud, and protected by Consumer Rights. Immediately following Speedy started sending me terrible threats, and posting on my Credit report, assigned later to NCA FOR COLLECTION, changing the information when the acct was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
XX/XX/XXXX I went to titlemax XXXX ca. I needed a loan for XXXX to cover rent and XXXX. I was informed by XXXX an employee that loans under {$2600.00} were not allowed in California. This I learned later was a lie. My payments were to be $ XXXXmo. I asked about early payoff. He said the first payment was the " big one '' I received No paperwork about loan terms they said for all that info create online account log in etc. so for the next several mos. I made my payments. XXXX they closed their doors in XXXX thats when I checked my balence 1st time. It showed I had paid {$2300.00} on a loan of XXXX over 4 months and I owed {$2000.00} ... .. I have tried to call Titlemax of Californias ' main office in XXXX county it hangs up as soon as it rings thru. When I investigated it said Titlemax was ordered by state to cease and desist XX/XX/XXXX. And they actually stopped in XX/XX/XXXX ( 2 weeks after they got me. ) The other offices know nothing of my case and the website only left me choices of payment. This car is a XXXX XXXX XXXX w/ XXXX mls and drinks oil, needs bushings and 2 cal catyltic converters. At best its worth XXXX. Im not paying them another XXXX of interest. And Im not giving them the car after all this and have them sell it for XXXX to one of their car lots. and sue me for unpaid balance. They should not have been still doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi Ive sent XXXX transunion and XXXX 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi Ive sent XXXX XXXX  and equifix 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!

Company response to consumer: Closed with explanation