vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: MI

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CO

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX  distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX I secured a {>= $1,000,000} second home mortgage on an oceanfront property on XXXX XXXX XXXX from TD Bank, N. A. Due to Covid restrictions, the application was conducted entirely online and via phone, not in a TD Bank branch office. At no point was I presented with a form to arrange for automatic payments on the loan. When the first payment was due on XX/XX/XXXX, I struggled to find a way to make the payment but eventually found an online payment portal. I entered my payment account information for XXXX Checking and made payment. I assumed that TD Bank would store the banking information and withdraw funds automatically each month on the due date. Unfortunately, this was not the case. The statement regarding my loan was sent to my primary home at XXXX XXXX XXXX, XXXX XXXX, MD XXXX but I was staying at the property on XXXX XXXX XXXX and did not receive it. As a consequence, the payment for XXXX did not post and I was not aware until returning to Maryland in XXXX. Upon learning of the late payment, I promptly submitted another one-time payment for both XXXX and XXXX in the amount of {$33000.00} on XX/XX/XXXX. I sent two separate letters to TD Bank 's dispute department requesting a goodwill removal of the late payment from my credit report, both of which were denied. I offered to prove that I have far more than sufficient funds to cover the payments at the time and that it was confusion over their payment portal ( and the lack of automatic payments set up during the mortgage application combined with being out of town when the late payment notice arrived at my home in Maryland ) and not an inability or unwillingness to pay on time that resulted in the late payment. I have never missed a payment on any credit account in my 46 years. The late payment report to the credit bureaus resulted in a highly deleterious effect on my credit score, dropping over 100 points from the mid 800s to low 700s. TD Bank is correct that the payment was late but is unwilling to concede the fact that their mortgage team failed to present me with automatic payment arrangements when issuing the loan or that their Byzantine process for submitting payments online greatly increases the chances of confusion over " one time '' payments and recurring payments. I was asked to complete a paper form and mail it to TD Bank in order to arrange automatic payments, which is now in place and payments have been submitted on time for XXXX and XXXX, the two months following the late payment. In spite of the extenuating circumstances, TD Bank still refuses to remove the late payment from my credit report. Loan applicants to TD Bank beware. Unless you have a credit card or checking account with TD Bank, you can not even create an account for online management of your mortgage account. The system seems designed to cause late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bizcorp, LLC
State: WI

Complaint narrative:
I got a high interest loan. I wanted to cancel it within the two days but am having trouble contacting anyone. I have sent multiple contact us emails through the website. I intially told the representative I get paid on the XXXX and XXXX. They tried to take out the money on the XXXX. The man on the phone said they had to take it out early due to South Carolina state laws. He refused to take extra money out so I could get this paid off early. The number given goes only to him. He is very mean and rude. I tried another number they gave me which has a recording that says it is an attempt to collect a debt but noone answers. I finally sent an email saying I revoked their authorization to take money out until I could talk to someone to straighten things out and they took out money anyways. I have no idea what to do. Because they won't take extra out and I can't work something out with them to take it out on my paydays I would literllay be paying this off forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: OH

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
i pay my mortgage with " myloancare '' online through their website, it has been almost 7 days now where i can not access the website. i have tried from numerous devices to access the website and every time i receive the prompt " the site can not be reached. '' i have tried to pay through the phone by using their automated system. the system told me my payment was processed, yet no evidence of a payment confirmation has shown. every time i make a payment i receive an email confirmation that a payment has been made. i have not received one yet. usually within a few hours, it shows that the mortgage bill is processing in my bank account which has not happened yet either. 

i feel like it is extremely difficult to pay my mortgage which i personally am more than willing and able to pay, the payment systems they offer dont seem to be working and it is becoming increasingly worrisome that if my payment is not made on time that i will receive repercussions for something that is not my fault. the company has not seemed to communicate anything reguarding this issue. upon checking online there are other consumers who are facing the same issue.

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 2021-05-03 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I had to get financing for my brother 's car to get the brakes fixed. Well two weeks later the brakes went out again. I took the car to a different auto shop and got them fixed for {$400.00} instead of the amount of the loan which was way more. A year later the car was stolen and was found burnt. I refuse to pay for a car that was stolen and the repair work that was faulty. I feel that I was over charged by the original repair shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Dealership shopped for financing ended upon signing with Santander XX/XX/2015. Probably 6 months later the car was repossessed with no agreement being offered and no notification of resolution thereafter. Viewing my credit reports Santander is listed on my XXXX  and XXXX. I have tried on several occasions to dispute the matter and especially after signing forms for a class action lawsuit against Santander for unfair business practices in which have agreed to waive balances for customers with low scores.I have yet to have Santander removed. I am hoping for assistance in having the mattered resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
I contacted Equifax on XX/XX/2021 regarding several unauthorized hard inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. I have certified mail receipts of letters sent to the creditors requesting verifiable proof of authorization for the disputed hard inquiries. 

I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/2021 I received a fraud credit alert from XXXX  that my credit was pulled with ( ONE MAIN FINANCIAL ). I did not apply for anything so I immediately called the number listed on the FRAUD ALERT and spoke to a representative at ( ONE MAIN FINANCIAL ). The ( ONE MAIN FINANCIAL ) representative said that they did not see any credit application in their system. I explained to them that I received an alert stating that there was an application for a loan, but I did not apply for anything. Again the rep said they did not see any application or credit pull. 

I then called the Credit bureaus to dispute the fraudulent inquiry and have it removed. It is now XX/XX/2021 and the fraudulent credit inquiry is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX of XXXX I put the house on the market with a real estate agent in the attempt to do a short sale, since my husband died some years ago I have had a hard time with the up keep as well as paying the mortgage. I filled out the loss mitigation package and sent it to my mortgage company. I received and offer of {$120000.00} that was rejected by my mortgage company the buyer and the mortgage company went back and forth with negotiations up to {$140000.00} which broke the deal for any additional amount over and above that from the buyer. Other offers came in during this time {$120000.00} - $ XXXXthen showings stopped and/or were canceled due to the condition of the property. XX/XX/XXXX another offer came in starting at {$150000.00} rejected by the bank, when I spoke to the mortgage company 's negotiator XXXX XXXX he stated that they had not even shown it to the investor. I was furious because of the delay of them responding to me and the BPO expiring and each time having to wait for an evaluation I felt as if they just wanted to foreclose on me. the final offer submitted was {$170000.00} and the appraisal value that the bank has is {$190000.00}. I need your assistance in evaluating on the end of the mortgage company if I have been treated fairly. They initially did not even have the accurate information to give me for this process the delay has been so long and I am becoming more and more fearful of foreclosure and the judgement associated with this. I have not received any letters to confirm that they have rejected the offers and have asked for a supervisor call that hasn't happened to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: ID

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation