vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across all 3 major credit bureaus they show inaccurate information and have been unwilling to correct. 

XXXX XXXX and XXXX show 30 Days on XX/XX/XXXX and XX/XX/XXXX all other months show paid as agreed XXXX shows 60 Days late for XX/XX/XXXX and XX/XX/XXXX Inaccurate data provided to bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Direct Recovery Services using phone numbers XXXX, XXXX, and XXXX keeps calling me I have told them that I do not know a XXXX but they keep calling my cell phone and leaving messages. 
I spoke with someone who works there who called from XXXX and she said she would remove my number from her call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp
State: MN

Complaint narrative:
I took out a student loan in 2007. 

I asked Zuntafi to produce all contracts, terms, and conditions associated with my student loan, which they continue to sell off to many new entities. Today, I received yet another email saying they sold my loan. Despite this, I have not been given my loan agreement, and all terms, contracts, and conditions for my student loan. I've asked NUMEROUS times in writing to be given such information. Finally, I was given an illegible blurred copy with many writings all over loan terms, just as if the company was INTENTIONALLY trying to prevent me from reading the terms. They also have been circumventing my requests like after I asked for a copy they just send basic forms I filled in to sign to get the loan, but they won't send me all terms and conditions associated with this loan. 

Over time, the XXXX XXXX, Zuntafi, has continuously appeared to make up new and more rules or changes to my loan without my knowledge, without my consent, and while refusing to cooperate in my right and request to be given my full terms and conditions of my loan. 

Their staff has been rude, belittled me, and been uncooperative at giving me the basic knowledge and information about my loans. 

The student loan company, Zuntafi, stated I exhausted all forbearance available for my loan and that they only offer it twice. But they refuse to produce any records of any kind, including my contract stipulating such. They continue to make up and change all aspects without my knowledge or consent associated with my loan. Based on the information I did receive in a barely illegible document, the company has made up terms and conditions that are beyond what's in the contract. I believe their practices break consumer protection laws. 

Despite online materials on their website saying they offer a cosigner release, they are also falsely advertising that they offer that cosigner release. When I went to take advantage of that recently, they refused to honor it despite their website saying their company offers such. There's no part of their site that says loans are excluded. 

Based on their lack of cooperation, refusing to produce or ignoring my request to produce all contracts, terms and agreements associated with my loan, and making up new terms and conditions even contradicting their website, I believe this company is breaking consumer and student loan related protection laws and fraudulently deceiving me and others that enter into loans with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a Home Equity Line of Credit on XX/XX/2022 with Bank of America ( BOA ), and the process has been very draining, I was told the process usually takes XXXX weeks ; however, we are now in XXXX and still going through the process. I was asked for several documents including Tax returns, home information, and financial documents which I submitted ; however, they would come back and ask for additional information. This file was supposed to be completed in XXXX to lock in the interest rate that was agreed upon in the beginning ; however, that date was missed because they needed additional documentation. I sent the documentation and everything was sent to underwriting, however, they then informed me there was a Lien on my property due to a home assistance loan I received when I first purchased the property. At first, they couldn't tell me who the lien was from and I had to go and search and find out how to get it taken off, after numerous inconsistencies I finally found out how to get the lien taken care of. BOA finally told me two weeks ago that my loan was taking too long and that they would have to close the file until this was taken care of. I'm in the middle of having to get this done ; however, all of this information should have been checked and provided to me in the beginning. Now they are saying they will need to restart the process and I won't be able to get the interest rate originally discussed.

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 2022-07-27 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:
On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.

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 2022-07-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-07-27 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance Corp has reported this negative account on my consumer credit report. I am not associated with the person named on the account for the amount of XXXX. I have already disputed this with XXXX along with other negative accounts associated with the same people. This account is being reinvestigated and all other negative accounts that I have disputed as of XX/XX/XXXX have already been corrected from my credit report. My credit has dropped significantly due to these credit reporting errors that continue to be associated with my first and last name. The addresses and phone numbers on my credit report were corrected today XX/XX/XXXX and will be updated within the next 72 hours. These credit reporting issues occurred back in XXXX with the same people being associated to my credit report and I had to report all this to XXXX that many years ago. They are reappearing once again and this is negatively effecting my credit. The time and effort to dispute these accounts has been exhausting. Please take care of this ASAP!

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 2022-07-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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 2022-07-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-07-27 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX XXXX in XXXX XXXX, NV, and asked how and with who they reported my information about my XXXX and they stated the XXXX XXXX does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my XXXX and asked them what was their process for verifying the XXXX that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ADDRESS, XXXX XXXX of XXXX XXXXEMPLOYMENT . THIS INFORMATION SHOULD ONLY BE REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESS, XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.

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 2022-07-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a copy of my consumer report from Equifax and noticed several incorrect items listed under my personal information section, as well as accounts. I sent in a request for validation letter for these accounts as well as an updated list of the correct name address and other personal information around XX/XX/XXXX to Equifax dispute center in XXXX, XXXX  These request were ignored. None of my information was updated. The false accounts were never properly investigated and refurnished on my report, drastically dropping my credit score. I explained that under the FCRA, permissible purpose states that accounts XXXX be reported only with the written consent of the consumer involved, which at no time was ever given. Also the FCRA clearly states that any and all accounts furnished on a consumers report must be validated and investigated with proper documentation deemed compliant with the FCRA. At no time was any documentation produced for any account that was listed. I sent several letters stating there were several violations that they were committing on my behalf and their negligent noncompliance has caused several hardships in my life emotionally, financially and relationship wise. As a result I have suffered from several denials and and have been limited in life. I beg for help, please someone hold them accountable for their actions. Its never ok to break the law! The year XXXX is half way over and I am still fighting for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
I began the refi process with our current mortgage company in XX/XX/2022. By XX/XX/2022, we had still not gotten anywhere in the process so we canceled the refi and decided to sell our home. We are now under contract with our buyers and also under contract with a seller of our new home. The buyers lender is unable to order the appraisal because Planet Home Lending has not canceled the FHA refi. I have called numerous times to ask them to cancel. The manger in the XXXX department, XXXX XXXX told me on XX/XX/XXXX it was closed on XX/XX/XXXX. As of today XX/XX/XXXX it has still not been closed. I have sent many emails on XX/XX/XXXX as well as many calls to XXXX and his department and they refuse to speak to me. I spoke with 2 different people in customer service and they told me that the refi is still open and unfortunately I have to go through XXXX 's department to get it canceled and closed. I tried calling the XXXX department to speak to a different XXXX and a guy named XXXX answered my call. He said I needed to speak to the service department and transferred me in the middle of my sentence. Customer service was unable to assist since the XXXX is still open, she offered to transfer me directly to XXXX XXXX and when they did, they were told he would not take my call and that someone would contact me by the end of the day. They were just as baffled as me with the lack of customer service in the retention department and shocked they refused to take my call over what should be a simple fix. I have received no help with this company and it might end up costing me the sell and purchase of my new home. I have had my realtor contact them as well. The buyers lender has also gotten involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: AZ

Complaint narrative:
The inquiry listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiry listed below as a result. 
INQUIRY : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Attempted to login on XXXX XX/XX/2002 unexpected error occurred I followed al steps recommended to include reenrolling and changing user name and password the following occurred addressing the sam isuue ..New User Registration Notification Case # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subsequent attempt to resolve the issue have met with no resolution and multiple emails stating a representative would respond which happened twice out of ten times with still no resolution verbal contact is futile with reps in Nebraska and where else do not know, being courteous but not helping.

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 2022-07-27 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: TX

Complaint narrative:
CFPB and Equifax I did not get an answer the question { about why you Equifax was sending Disputes In general to XXXX } in their response they go around the question and never answered it again I request an answer to the Question XXXX how can a case be closed with NO answer please reopen this case

Company response to consumer: Closed with explanation