vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: SC

Complaint narrative:
these 7 derogatory marks needs to be removed immediately.I have contacted Equifax numerous of times to removes these collections that has NOT BEEN VALIDATED!! if this is not removed in 15 days i will be contacting my lawyer to pursue a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account was charged off. on or before XX/XX/XXXXarranged payment plan to pay down balance without accruing any further interest, beginning on XXXX. In an effort to audit my progress I requested a balance history from Capital One regarding this payment plan. They only allow debt-holders to see how much the payment was and what the current balance IS- that is to say there is no way to look back a the balance at any point in history. 

Capital One is withholding balance information from me, the consumer. 

Image attached below shows scheduled and successful payments, but no balance is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
for the record i would like to first state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my information was impacted by the Equifax data breech and might have got into the wrong hands or information mixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting two accounts that were closed in XX/XX/XXXX. Two accounts XXXX account number XXXX, and XXXX  XXXX are actively reporting each month. Both were included in a Chapter XXXX discharged XX/XX/XXXX. XXXX  and Transunion are reporting these creditors updates every month, which may be seen as an attempt to collect a debt, a violation of the FCRA regarding bankruptcy. When I contested this practice, XXXX  and Transunion updated those accounts to look like the accounts are current as of XX/XX/XXXX. XXXX  and Transunion will not fix this, which may violate them FCRA. I have been denied credit due to this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
This company is reporting a balance of {$410.00} to the credit bureau. I sent letters to the credit bureau requesting information on this debt. All three credit reporting agencies replied that the collection agency has verified this debt. 

Then I sent a letter to the collection agency requesting additional information on this debt. I asked them for the signed contract or credit application from the original creditor to file police report or report identity theft. 

As of today, they have not replied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with Experian but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX  and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX 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 explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My name : XXXX XXXX I have sent {$5000.00} to BSI Financial over 30 days ago XXXX XX/XX/2021 ) to be applied to my account as interest, principle or escrow and the funds have not been applied to my account. 

My address : XXXX XXXX XXXX XXXX, XXXX CO XXXX My Tel. XXXX My Property Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX BSI Financial : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXXXXXX Main line XXXXXXXX Fax XXXX NMLS # XXXX Branch NMLS # XXXX XXXX. XXXX BSI Acct. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have tried numerous times to apply for a home for me and my kids. Trying to purchase a house thru Quicken was going to be my 3rd attempt. I was skeptical going in, however for the sake of my kids I was willing to try. After I applied for the mortgage, I was conditionally approved pending the documentation needed to get the final approval. All was going well until Quicken needed proof of the down payment. When I supplied the bank statements, the underwriter had declined the documents I supplied because they wanted a document that showed the URL address of the website. I supplied them with the bank statement directly from XXXX  XXXX XXXX. As its the one that gets mailed to my home. They stated that was not good enough. In fact they stated it looked like a document I had created on a word document. I was absolutely appalled. I work in the mortgage industry, and I have never accused a customer blatantly of creating false documents. That is not for me to imply, there is a whole separate team for that, called XXXX. Every financial institution has one. So for an underwriter to make the assumption on his own will, told me they had truly discriminated against me and my family. Was it perhaps my race, the fact I was a single mother, or a woman. Either way, this was totally uncalled for. Even though I knew I was not required to go the extra mile, I was willing to. I offered my logins, screen shots, branch print outs signed by a teller, everything. And it was not good enough. The processor told me on the phone, and the calls are recorded. So if the call is pulled up, you can hear when she tells me my documents looked to be made thru a word document. I have heard in the past that Quicken was a bad company to deal with, however I was willing to give them a chance. But now, I see why people were saying. And mostly minorities who were telling me. Unless your someone else, or make a substantial amount of money, they will treat you different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX I received correspondence in the mail from Caine & Weiner that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Caine & Weiner is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: OH

Complaint narrative:
We applied for a Loan Modification Application with our lender over a year ago. We have made payments that we agreed to in the loan modification agreement. In attention we were asked to make some changes to the title. After over year of making the monthly payments in addition to contacting Selene Finance for updates our loan modification application. We were told that it is still in process and once the pandemic hit that the process will take longer than expected. On XX/XX/XXXX we received a notice that the loan modification was denied due to " title issues '' - no further explanation was explained. We tried to call for further explanation and continued to receive the run around over the phone or get transferred to a different department. We are extremely frustrated and confused after waiting so long for a decision that now the case is closed and we are unable to get anyone over the phone to explain to use what " title issues '' are they referring too and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
I was a victim of Identity Theft, there is a fraudulent account not belonging to me that is showing up on Equifax, but is deleted from XXXX  and XXXX. 
Equifax is giving me the runaround and not blocking the information based on FCRA 605B ( 15 U.S.C. 1681c-2 ) i have filed an ftc report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Opened a home equity loan XXXX personal loan ) for a few months to fund a construction project. Post completion of the project, I refinanced my home and merged the loan into a new mortgage, effectively closing my loan with Huntington Bank ( personal loan / home equity ). I have received two notifications from Huntington saying you have an overpayment on the account, but no actual refund. 

I called them today and the phone rep said she would request the return of the funds to me and it would take several days. 

I am not sure why I would have to call to ask for my money back. They should have held onto their notice of overpayments and just sent me the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
COLLECTIONS & LEGAL DEPARTMENT XXXX CASE NO : - XXXX OUTSTANDING AMOUNT : - {$800.00} TODAYS SATTELMENT AMOUNT : - {$580.00} Keeps sending emails, that are not addressed to my email nor do the emails have my name on them. States is a communication from, mailto : XXXX I get at least one of these emails once a week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: IN

Complaint narrative:
I entered to AGREEMENT XX/XX/XXXX. 3 month long. High interest trying to get money to bury my sister. They changed the lone from a 90 long to a 68 day lone and charged me interest ... I wrote them a long email and explained that I didn't agree to those terms. They put the money back in my account. Lost check returns etc ... got my stimulus money and after less then 30 days. They're charging me late fees for them illegally taking money out my account and tell me that I gave them permission to when I have documentation that I didn't. I've asked them time and time to send me documentation that I did and they say its online ... and yet they charged me nearly XXXX for a 90 day loan that at the most should have been XXXX plus the XXXX ... how's its XXXX for 20 days. On a 90 day loan I'm clueless how they came up with that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: IL

Complaint narrative:
I submitted an ID Theft report on XX/XX/2021. This is the second time I have submitted a report to the bureaus concerning identity theft. They refuse to block the information and everything in the report is factual and under penalty of perjury. You are violating the FCRA and my federal rights as a consumer. Pursuant 15 USC 1681c-2 this information should be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Every time I talk to the company at least local branch and the branch in New York all they do is tell lies. Now theyre charging me a {$35.00} overdraft fee for {$100.00} and they still in my checking account. I want the XXXX branch of XXXX XXXX XXXX. and XXXX XXXX I want the main workers there to be imprisoned. The security cameras for ATM machines security cameras inside the bank especially the ones around XXXX XXXX and XXXX need to be monitored and their computers need to be tested by someone that can tell if things have been altered including all IT systems because their bank statements dont match ATM machine receipts from right outside in the lobby. This is the fifth report about TD Bank in the last week they should be banned from doing business in the United States at this point because theyre stealing money. I never withdrew any money yesterday and now they are charging me an overdraft fee for the charges. In the past when Ive spoke with them they just try to say it its all my fault. Im done trying to deal with this bank. I want a federal investigation into every account Ive ever had with TD Bank. Than you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: CO

Complaint narrative:
I am writing this letter in hopes you can help me. I am a XXXX-year-old senior citizen who performed a reverse mortgage with AAG in XXXX of XXXX. At the time this was a positive experience but that has completely changed. 
In XXXX XXXX we had a issue with water backing into my home. I contacted a plumber who fixed the issue then I contacted another to mitigate dangerous wastewater that had inundated a part of my basement. I called my home insurer who after damage appraisal provided me a check for just under {$14000.00}. I also contacted AAG to inform them of the claim, it was now the problem arose. 
The check was made out to me as well as AAG ( the insurance company said this was standard practice as the check was over {$10000.00} ). 
In late XXXX the mitigation contractor XXXX XXXX, began calling me asking for payment. It was then that I contacted AAG by phone and they said to contact their claims division in Texas which I did mainly by phone. By XXXX AAG still had not paid the claim to XXXX XXXX and XXXX XXXX threated to send me to creditors. It was at this point I reluctantly decided to pay XXXX XXXX  directly with the belief I would be repaid by AAG from the check my insurer paid them. THIS WAS NOT NOR HAS BEEN DONE. 
I have called multiple times and sent numerous emails to AAG and their claims department only to get the run around. 
It is now XXXX of XXXX and I have not been reimbursed for out-of-pocket expenses {$9200.00} nor has any work been started for repair much less completed. 
They have taken advantage of me, committed fraud and theft. Ive been suffered financial and emotional hardship because of their deceptive practices. It is my hope that you have the power to force them to do what they should have done, as well as press charges, institute fines and rescind their license to do business in the state of Colorado so they dont take advantage of other as they have me. 
I am willing and able to provide any documentation requested by you as well as to sign any formal criminal and/or civil complaint documents against AAG. 
Please contact me at your earliest convenience to let me know next steps. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of XXXX. I disputed these items with the three major credit bureaus : XXXX, Transunion and XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX IXXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XXXX XXXXXXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once

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