vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: AES/PHEAA
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : FEDLOAN SERVICING and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and XXXX. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TX

Complaint narrative:
You didn't really have my issue as one of your options. I have basic and general complaint against Transunion. These credit agencies are terrible companies. They don't do anything to help consumers. They have only screwed me. They don't raise my credit score even if I have 0 collections reported, 100 % payment history. They don't share how they calculate my score yet they use it to allow banks and credit cards to XXXX me on interest rate. My score doesn't go higher with positive actions but if I use a credit card my score goes down substantially. It is a disgrace that banks use this unequal measure to legally discriminate against non rich people. They should be illegal. They really are only in collusion with banks and lenders and the XXXX of consumers. How can the consumer protection bureau allow these companies to XXXX over hard working americans by allowing banks to use a score that is so partial and non objective it is scary. Then they charge me to have access to my own information! How in the heck can that be right? I can get one free report a year? Why not any time I want. It's such a shame they make millions probably billions from my information then charge me for it. How about use some of that money they make and help people get out of debt?

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX, Transunion, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of mental anguish, Lost of opportunities, Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX XXXX  stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. Transunion XXXX and XXXX allowed XXXX XXXX  to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report

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 2021-12-08 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: GA

Complaint narrative:
There are unauthorized inquiries on my consumer that I've tried to get resolved with the credit reporting agencies but they refused to remove them

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
After several conflicting statements, Dovenmuehle has indicated that they have cancelled private mortgage insurance on my mortgage as it has met an 80 % XXXX. Since this point in time they have run multiple incorrect escrow analysis statements including but not limited to : Incorrect disbursement date and incorrect amount for property insurance Elimination of escrow for property insurance ( this was never requested by me ) Continued billing for XXXX  despite written acknowledgement that XXXX  has been cancelled I have contacted Dovenmuehle on multiple occasions via telephone and email to discuss all of the above. They have not responded and the escrow analysis continues to be incorrect. I am required to pay whatever amount they bill me despite it being incorrect otherwise they will report the loan delinquent to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.

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 2021-12-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unfortunately, I am a victim of identity theft. I have a XXXX account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XXXXThe account is XXXX XXXX and it is not mine as I have been a victim of identity theft as the documents I have included in my disputes have clearly illustrated. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent all of the required documents to these bureau 's such as my FTC identity theft report, my XXXX XXXX police report, my drivers license, my social security card, a letter detailing my identity theft and past 2 years of residential history and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account. I don't understand how this account is being verified as accurate when I have provided everything required to support my claim. I am distressed because of this situation and feel as if my disputes are not being taken seriously.

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 2021-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unfortunately, I am a victim of identity theft. I have a XXXX account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XXXXThe account is XXXX XXXX and it is not mine as I have been a victim of identity theft as the documents I have included in my disputes have clearly illustrated. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent all of the required documents to these bureau 's such as my FTC identity theft report, my XXXX XXXX police report, my drivers license, my social security card, a letter detailing my identity theft and past 2 years of residential history and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account. I don't understand how this account is being verified as accurate when I have provided everything required to support my claim. I am distressed because of this situation and feel as if my disputes are not being taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
i have XXXX closed and XXXX open credit cards with capitalone bank and want these to re-inserted into XXXX and XXXX today. pleaSE FURNISH ME LETTERS OF INSERTION FROM BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Around 2 years ago XX/XX/2019 I applied for the Care Credit card for dental work needed. I was under the impression that it was interest free for 2 years according to the promotion. I typically get paper bills but never received one and emails from Care Credit were all promotional ads, I set up a monthly payment notice with XXXX  XXXX XXXX and paid the minimum due to loss of employment due to Covid19. I felt as if the 2 year period was up and called Care Credit to check my outstanding balance to find I have been charged over {$1300.00} in interest fees which is XXXX of the cost of the original dental work. I took a loan from another credit source to pay Care Credit in full {$3000.00}

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 monetary relief
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A dispute letter was sent to Transunion on XX/XX/XXXX provided as exhibit A, asking that they do a investigation in accordance with 15 USC 1681i and any incorrect information be deleted. I received a response from Transunion stating that the XXXX  XXXX account has been verified which is provided as exhibit B. Also exhibit B shows that Transunion is reporting the XXXX  XXXX last date of payment as XX/XX/XXXX. Exhibit C is a statement from XXXX XXXX stating that the last date of payment is XX/XX/XXXX. If Transunion did an investigation in accordance with 15 USC 1681i how can they verify it but reporting inaccurate. Now that i have made you aware of this inaccurate reporting, updating it will be an admission of guilt and i direct violation of my right to a fair investigation. I demand that this account be deleted immediately and or i will have no choice but to seek legal counsel due to the federal violations of the FCRA transunion is currently committing. Please forward me a copy of the updated credit report with the deletions.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Rocket Mortgage sold my mortgage to XXXX Bank who added {$30.00} fee to my payment for a faxed payoff statement. I called XXXX and asked why are they charging me and the answer was you must have authorized it, and said I had to make a request in writing for them to consider reversing the charge. I sent an email to Rocket asking why am I being charge without my knowledge and I am awaiting a reply. XXXX said it would be free if mailed but Rocket wanted a Fax SO 30 BUCKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing this complain on behalf of my wife. I have permission. She also gave me permission to discuss this account with Capital One. That permission was granted on a recorded line with Capital One when we were attempting to resolve a late fee charged to this account. It is a shame that this bank would not credit back a late fee when the amount due was paid less than 24 hours after the due date. I am unemployed but hustle and do XXXX and XXXX. My wife does as well. That is not alot to take care of a family of XXXX. It is a disgrace that this bank would not have compassion. We have never missed a payment on this card. Maybe a little late a few times but never missed. A {$28.00} late fee is alot for us but very small for them. These people don't give me a credit of {$28.00} for being early. They refused to credit my wife 's account because they did back in XXXX of XXXX. It still is basically stealing from a family doing the best they can to get by. Capital One got bailed out by the government back in XXXX and received billions from taxpayers to bail them out. But when it comes to helping others they turn a cold shoulder and say " sorry XXXX you and I don't care if you can't get out of debt because we will always get our money. '' I will tell everyone I know how uncompassionate this bank is. I hope this gets published and read it. Don't do business with this bank. They are very quick to sue if they don't get their money but just as quick if not quicker to take a handout from taxpayers. They should be ashamed of the unequal measures they apply and how they do business. I have to come up with money given my situation so sometimes it is hard to get it by the due date with my rent and other things like food have to be paid.

Company response to consumer: Closed with explanation