vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My boyfriend and I were on a financing auto loan set up by XXXX XXXX with capital one for our XXXX XXXX XXXX. XXXX XXXX said we could not refinance our loan because it was the pandemic and were not working at the time. He said that we could trade in our XXXX and we got sucked into financing a new car- a XXXX XXXX XXXX. XXXX XXXX said they would take the auto loan from the XXXX off our hands and pay it off. He said he sent the check but apparently Capitol one never received it until a few months later, so Im not sure if he lied. Anyways, he ruined my boyfriend and Is credit very bad. Our credit report shows that we were late XXXX of XXXX ( 90 days ) and then it was written as a charge off in XXXX and XXXX. This is wrong. We stopped paying the payments of the XXXX because the dealership told us to and said they had it taken care of. It should not be shown late as we were told its not in our hands anymore. This ruined our credit and I reached out to both XXXX and Capitol one several times. My boyfriend and I would like our good credit back and for this issue to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Since XXXX of 2021 I have applied for the Military Lending Act with American Express. Since then they have been telling my my application is denied to this present day. Reason being that my eligibility does not meet the requirements of being XXXX XXXX at the time I applied. I have provided them documentation of orders that I have been on XXXX XXXX at this time. But after many attempts they keep saying that there is nothing they can do about it. They had no contact number at the DoD to discuss my case with and have been no help. The annual fee is about XXXX dollars for this card and they accepted me opening up the account before they could determine I was eligible for this act. 
I was just wondering if there was someone from the DoD that could inform me why I keep getting denied or someone provide me with a point of contact? Just feel really taken advantage of by American Express. Especially being someone who serves his country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
In XX/XX/2021, I obtained a copy of my credit report and noticed a late payment listed that had lowered my credit score. When I saw the name of the creditor, I realized that I never opened an account with this company. I contacted the accounting department of the creditor and told them that this was not my account and that I have never purchased anything from them. They told me they would investigate and get back to me. A couple of weeks later I received a letter from them telling me that they had conducted an internal investigation and that they had determined that the account was mine and I was responsible for the balance. I contacted them and told them that it was not my account and that I had no intension of making any payments. The monthly payments are apparently being made by someone else, because I have not received anymore late payment notices, but the one late payment notice from last year is still affecting my credit score. I disputed this with the credit bureau, but they took the word of the creditor and would not remove the late notice. I am being penalized for an account that I did not open and this creditor refuses to do anything about it. I closed this account, but the account balance and the late notice to the credit bureau still stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.

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 2022-01-21 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
LOCKHART, MORRIS & MONT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. ( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NV

Complaint narrative:
Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.

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 2022-01-21 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:
Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-21 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: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
NATIONWIDE CREDIT & CO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.

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 2022-01-21 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: Premium Credit Bureau
State: CA

Complaint narrative:
This company has an inquiry on my XXXX report that I don't recognize and have not given any permission to run my credit. On XXXX XXXX is the reporting date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Date of Birth XXXX Social Security : XXXX Current Date : XXXX Re XXXX XXXX XXXX XXXX  : Transunion Concerning : XXXX XXXX XXXX XXXX XXXX Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. THIS IS CONCERNING ANY AND ALL XXXX XXXX XXXX XXXX Thank you for your time and help in this matter. 
Thanking you in advance, 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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello. My wife and I took advantage of the mortgage federal forbearance period with Chase Bank. We stayed in frequent contact and everything was fine until we exited the forbearance period. I was told by chase mort reps on the direct line several times after making the first month payment we would be able to setup auto draft for the 2nd month onward ( XXXX ). I was just told this would now be impossible until XXXX. 1 issue is the payment was applied to a date several months behind and not the current month of XXXX. This is exactly opposite of what a rep said while taking my payment for XXXX We'll ignore the lying good/bad intended for now. The 2nd issue is with auto draft we can pay half the mortgage every 2 weeks. This helps our family budget out finances, save, and pay debt faster on those 3 paycheck months. By not having access to this auto draft in XXXX ( which was promised and assured as fact by several diff chase reps on diff days over months leading to our exiting forbearance ) we are now being put into a costly short term financial situation. We asked chase how this process would work so we all would be clear. Now they are saying different things based on the day, ignoring the words of licensed agents on previously recorded lines, and being extremely ambiguous, circular, & confusing in how we are supposed to pay the note current. This is either a mortgage servicing company blatantly trying to take advantage of federal ambiguity to recover its own book numbers by fudging dates/payments or sheer incompetence by nervous licensed call reps who say whatever they want to get the caller off the line. The reps and/or servicing dept are XXXX. As a fellow financier with multiple licenses I find this both insulting and disgusting. It gives all of us a bad name. If we were told to expect a full monthly payment we would have planned on it. We were told a half biweekly was going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CarMax, Inc.
State: CA

Complaint narrative:
I didnt Authorize this company to run my credit On XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Champion Morgage Company charging large inspection fees as part of payoff.. no inspections were needed or necessary. There was someone in the house at all times. 

There were also inappropriate / fraudulent servicing fees of XXXX $ each month. The company was charging interest on this loan every month. 

Champion has the worst customer service..

Company response to consumer: Closed with explanation