vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 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. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX and XXXX XXXX XXXX immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent XXXX request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the XXXX data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per XXXX law.

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 2021-11-18 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: TX

Complaint narrative:
Regarding Equifax Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax has on file ; and on XX/XX/2021 I sent Equifax a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 609 notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 Someone fraudulenty opened a Citi card in my name. Trying to get the correct Citi card support number to call is frustrating at best. First thing they want me to enter into the phone is my SS #. NO!! No option for fraud just enter the card number ( that I don't have ) or SS # in order to talk somebody overseas. Right off the bat I don't think they are legit. Who knows if I called the right number there are dozens of them online. Finally got the card closed by hanging up on the first person who insisted I give my SS #. The second time I called I got someone who spoke English and finally closed the account without asking for all the info they should already have and assured me I would receive a report stating it was closed along with a survey. I then filed a report with the FTC and now here. I also opened a free online credit monitoring account with XXXX. I don't know what else to do. Credit card companies need to stop asking for SS # to identify me and provide an opening option to report fraud. I am not going to give the guy from XXXX all the info that was just used to fraudulently open a credit card in my name a second time. I just had to provide that info through prompts on the phone to get to him. Finding the support number to report fraud should easier to find online then it is. One number!!!! Not 12 different ones!!

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
My complaint is regarding JHPDE Finance 1, LLC. They show two collection accounts on my credit report, one for {$1100.00} and the other for {$1400.00}. 

First : I have never received any written or verbal notice of : 1 ) the debt or my ability to dispute the debt ( in violation of the FDCPA ) ; 2 ) the Company 's intent to collect the debt ; or 3 ) information that the debt ( if it exists ) is owned by the Company.

The debt simply showed up on my credit report without warning. I've never been provided an account number or an opportunity to speak to anybody with the Company.

Second : I have called the company multiple times over the past six months in an attempt to speak to somebody at the company regarding the debt ( i.e., obtain verification of the validity of the debt, discuss options, etc. ). 

Each time I've called nobody has answered but I eventually reach a voicemail regardless of the time of day I'm calling. So, I've left a voicemail each time explaining that the debt is on my credit report but I don't have an account number to leave with the voicemail. I ask that somebody from the Company call me back ( and I provide my phone number ) and state that I will happily verify my identity when contacted. I've also asked that if they can not call me due to privacy concerns they will mail a debt verification letter to the address of record. To date, I have never received a call back or piece of correspondence related to the alleged debt. 

Third : I have filed multiple credit disputes through the credit bureaus requesting debt verification be provided or that the debt be removed from my credit score. The Company has responded to the bureaus indicating that the debt is valid, but has not provided any additional information to the bureaus or myself. If the Company can not ( or refuses to ) verify the debt to the alleged debtor, they should not legally be allowed to continue to report the debt as valid. This is negatively impacting me and I'm not being afforded any opportunity to resolve or defend myself.

Fourth : The telephone number ( s ) for the Company are constantly changing, which is proving to make repeated attempts to contact the Company to be unduly burdensome. If an ( alleged ) debtor can not readily get in touch with the " creditor '' this seems to be an unfair practice. How is a debtor supposed to manage or resolve an obligation if the creditor 's contact information is repeatedly changing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian keep allowing the closed account to be reported on my credit file. This student loan is closed and expertise has the dates wrong on the account and its been a old debt since XXXX and experience is falsely reporting it has being late in XXXX when its been in debt since in XXXX. The 7 year grace period has pass.

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 2021-11-18 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: NY

Complaint narrative:
I am submitting this complaint on my behalf, XXXX XXXX, there is no third party involved. I reviewed my credit reports to find unauthorized inquires. I do not recognize, nor I did not give consent for these transactions/inquires to be reported. The integrity of the credit reporting agencies are extremely questionable if they are ok with allowing just anything to be furnished on a consumers 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 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
In connection with a home purchase on XX/XX/21 we obtained a fixed rate, 30 year mortgage from Loan Depot. The " final '' Closing Disclosure that we were provided as a part of our closing package listed the Estimated Total Monthly Payment as {$3900.00} which included {$480.00} of monthly escrow funding. It also identified our Cash to Close as {$79000.00}. A little over a month later on XX/XX/21 we received a note from LoanDepot thanking us for a ( nonexistent ) inquiry and informing us that our escrow account was underfunded at close ( which, although they admit no wrongdoing, was due to their misunderstanding of the property tax system in the state of Michigan ). They also sent a revised Closing Disclosure ( despite the fact that we closed over a month ago ) that listed our Estimated Total Monthly Payment as {$4800.00}, which included {$1400.00} of monthly escrow funding, an increase of $ XXXX ( 23.3 % ), which they asked us to sign without explanation of what transpired. Over the XXXX term of the loan, this amounts to an incremental {$330000.00} that we, the borrower, will have to pay despite it being undisclosed to us prior to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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:
There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.

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 2021-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I asked for a loan on Speedy Cash service. And I got several emails from who I thought was Speedy Cash. I paid to an XXXX XXXX and XXXX XXXX an amount of XXXX dollars. With my debit card. And I come to find out later that It was a scam. Its been already 4 months since I filled this complaint. And I havent had an answer and I still owe speedy cash that amount. But I am not going to pay again for an amount I paid. The scammers were good, they sent my price of payment and that they were indeed from speedy cash. They first filed the complaint on XX/XX/XXXX. 
This was the email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
I received a statement from Collections U.S.A Inc stating I owe XXXX which is incorrect when I moved out I owed XX/XX/XXXX {$0.00} even when they verified my rental information with my last two apts they verified I owed {$0.00} This company is harassing me with false tactics and I will be filing a claim against this company in small claims court for harassment on a bill I don't owe. I would like for CFPB to look into this company for sending out false statements. I feel that Collections U.S, A should be audited and investigated immediately. This debt is not valid and I do not agree with it. The account number listed on the statement is XXXX I had no such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Total balance was paid in full prior to the XXXX due date but was still charged XXXX in interest. According to the process by which Chase charges interest on an account paid in full, a consumer can never have XXXX balance if they have ever had a revolving balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
Earlier this year I attempted to open up a credit account with a bank and was denied because of a couple of fraudulent accounts that were created with information of mines that compromised in early 2020, I've reached out numerous time to experian in hopes to have these issues resolved but nothing has yet to come.

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 2021-11-18 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: AR

Complaint narrative:
I disputed an XXXX account with TransUnion and while doing so I also reached out to the creditor which is XXXX XXXX XXXX XXXX XXXX ). XXXX sent documentation to me and TransUnion saying they they ( XXXX ) deleted the amount and wanted the collection removed from my credit report. I have the universal data form that XXXX sent to me and TransUnion and also the letter that XXXX XXXX XXXX XXXX XXXX XXXX sent to CFPB as a response as well. These documents will be in an attachment below. The documents was sent over to TransUnion XXXX but they are still reporting this account as a collection when indeed it should be removed 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 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF THE WEST
State: AR

Complaint narrative:
I, XXXX XXXX XXXX, received a loan on a Motorhome from Bank of the West on XX/XX/2021. I received from them my loan papers and noticed on the Disclosure Statement that the amount of sales tax was too much. They had {$14000.00} allotted for sales tax. 
In Arkansas there is a cap on local sales tax. In my case, XXXX XXXX XXXX ( 1.5 % ) and XXXX of XXXX ( 1 % ). If the purchase amount is over {$2500.00}, the sales tax is capped at {$37.00} for the county and {$25.00} for the City. Our total sales tax based on the purchase price of {$160000.00} should have been as follows : State Sales Tax 6.5 % {$10000.00} XXXX XXXX XXXX 1.5 % {$37.00} capped City of XXXX 1 % {$25.00} capped Total {$10000.00} I went to our local DMV and they gave me documentation of these amount which I submitted to our loan officer, XXXX XXXX. He said if its too much, it will be refunded at the after they pay the sales tax and the vehicle is registered. Bank of the West has since paid the sales tax directly to the state in the amount of {$11000.00} which is less that the amount on the Disclosure Statement and actually still not the right amount. The amount that is on the Disclosure statement for sales tax is in our loan and has increased our loan balance by {$3000.00}. 
I have made several calls to bring attention to this with my last call being on the XXXX of XXXX. Every call I'm assured it will be fixed and credited back to my loan but XX/XX/2021 it has not. 
I am 5 months into dealing with this and still no resolve. I am paying interest on this amount and quite frankly find this fraudulent. They were aware it was the wrong amount from the beginning, charged it anyway and now not crediting my loan back for the overage. This is why we have Disclosure Statements and Truth in Lending, to protect us. 
I have documentation to support all these claims. I will sending you copies of : 1 Loans papers which includes the Disclosure Statement 2 Check stub from where Bank of the West paid the State of Arkansas for the sales tax 3 State of Arkansas registration which states the amount that was paid 4 An online print out from my local DMV with a note by XXXX XXXX XXXX stating the correct amount dated XX/XX/2021.

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