vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Saturday, XX/XX/XXXX I contacted XXXX an online car retailer about a XXXX XXXX they had listed for sale. I was quickly placed into the approval process and was approved for a used car loan through Capital One at a decent rate of 3.8 %. I was offered GAP insurance at the time but I declined. About a half hour later, I received a second phone call from a different XXXX representative telling me that they had taken a closer look at my application and that Capital One came back and said I could have 2.5 % interest on my loan if I agreed to purchase a {$790.00} GAP insurance plan. Again, I declined stating that I really didn't like GAP insurance and felt like it was a waste of money ; however, the agent fought with me and kept pressuring me that this would save me money. I finally conceded and asked that he please email me the details of both offers so i could do the math to truly see if the lower interest rate and GAP plan would be less expensive in the long run. After running the numbers, it was so I emailed them back and said I would purchase the GAP plan so I could have the lower interest rate. After thinking about this whole transaction, I really felt like I was either targeted because of my good credit score, or potentially because I was female but I definitely felt pressured and thought something could be very wrong with this practice. If so, I wouldn't want it to happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In conjunction of my previous dispute regarding fraudulent accounts appearing my credit report. XXXX  never addressed the number of fraudulent inquiries listed on my credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I purchased an airline ticket for {$710.00} for my partner but he could not travel because his covid test result never came out as it was later revealed that he had tested positive. I attempted to contact the airline XXXX XXXX but via phone and chat but to no avail so I ended up filing a dispute with Wells Fargo on XX/XX/2021. Wells Fargo gave me a temporary refund in XXXX and charged me back on XXXX XX/XX/2021 stating that my dispute was denied because the ticket was non-refundable and the passenger was a no show. I clearly explained that I tried to contact the company but there was no response, the representative at Wells Fargo advised me to ask the airline for a voucher but how can I even do that when I can not get them on the phone? I got billed for a ticket that was not used and I can not get a refund nor a voucher!! In these hard times, I can not be out of {$710.00}. Please help!

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Sent in several disputes to the collection agency, and the the company. Was sent to their fraud website to fill out info several times and have still not received any info back. I have had it removed before only to continue to have it back on my credit because someone has used my social security number to open the original account and I was told the only way to remove it permanently was to dispute it on their XXXX XXXX fraud website. Which I have yet to recieve any replies.

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 2021-04-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MO

Complaint narrative:
My complaint is against XXXX XXXX Loan Officer AAG | American Advisors Group NMLS ID : XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I submitted all documents that were required any derogatory items on my credit report I explained and got them removed. Went through all the necessary steps including counseling and obtaining an appraisal of my home. The company scheduled a closing date of XX/XX/XXXX through my diligence of asking questions of the loan officer I discovered that they put a provision where {$38000.00} would be taken out to pay taxes and insurance. They did not disclose this to me and after inquiring they had all the paperwork that they needed however they wanted the documents that I provided the depth of that release me from my obligations and removed the obligation from my credit report. I was released from my obligation due to medical issues that occurred in 2016 I worked diligently with the company which was a timeshare company and if I agreed to forfeit all right and money that I had already invested they would release me without any ramifications or collection efforts. Once I explained I did not provide them any documents then the underwriter stated they needed a letter from the hospital which I was treated back in 2016. I explained to the company due to the pandemic and short staff that will be close to impossible however I did forward my records that I was able to go online and retrieve and sent to them noting the dates that I was in the hospital in XXXX XXXX in a XXXX XXXX  they then stated only a letter would suffice. I feel I am being discriminated against mainly because the loan officer admitted he had a client with similar circumstances and they did not ask for any documentation asking that client to provide how he was able to get released from his obligations I feel Im being discriminated because of having to send in my drivers license they know my ethnicity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Dear Experian, XXXX  and XXXX, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.

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 2021-04-12 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: TN

Complaint narrative:
In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.

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 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Scratch Services, Inc.
State: NY

Complaint narrative:
I took out a Paycheck Protection Program loan for {$12000.00} through XXXX on XX/XX/XXXX. That loan was subsequently sent to Scratch to be managed. 

The majority of the loan was forgiven and paid off by the SBA on XX/XX/XXXX. I paid the remaining balance of {$1000.00} on XX/XX/XXXX. ( This is to cover the EIDL advance that was not initially forgiven. ) Congress changed the laws after I paid the remainder of the loan to say that the SBA would allow for forgiveness of the full loan, including the EIDL advance. Scratch has since received an additional {$1000.00} from the SBA on XX/XX/XXXX. Therefore, this loan is now overpaid by {$1000.00} and I am owed a refund. 

Scratch emailed me on XX/XX/XXXX to say that they have received my EIDL advance amount and that it would arrange a refund for me within 1-2 weeks. They never contacted me about this refund. 

I called Scratch on XX/XX/XXXX to inquire on the status of my refund, which was now overdue. A representative named XXXX said someone from Scratch would be in touch with me by the end of that week to process the refund. By Friday ( XX/XX/XXXX ), no one had gotten in touch with me. 

I reached out to Scratch using the online chat tool today ( XX/XX/XXXX ) to arrange for this refund and they said they could not expedite this or provide any information about when it will be processed, even though it is now 2 weeks overdue. 

I would like this refund to be processed and sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Higher Education Servicing Corporation, Inc.
State: NM

Complaint narrative:
I was under the impression that due to the COVID relief act that student loan repayment was on hold until XX/XX/2021. My servicer has been trying to collect and also charging me late fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recently applied for an Auto Loan and As I was getting my credit report read back to me I noticed that I had a collection debt with a company called I C SYSTEM for a XXXX XXXX account. I called XXXX to verify this account and I was told that this was opened under a fraud account with my name and address. I spoke to an agent at XXXX and I was told that I would not be liable for this account because it was a fraud account. I tried reaching out to I C SYSTEM the supposed collection agency and I get yelled at also cursing at me and they keep hanging up the phone on me. I need this removed out of my credit report from all three credit agencies in order for me to apply for my auto loan. I need someone to help me.

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 2021-04-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has failed to report two credit card accounts, XXXX XXXX and XXXX. When I log into myEquifax online, these accounts are non existent thus no credit score is showing. When I speak with Equifax they claim they are showing the accounts on their side and when they send me a copy of my credit report, the accounts are showing. My credit report via online should be showing these accounts as well as my credit score. I also can not see my Equifax credit report thru XXXX  's online credit reporting service as well as XXXX XXXX 's online credit report service. To date, I do not know my Equifax credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have an account with this bank and have managed to maintained it pretty well. I have managed to have no nsf 's. Up until recently when they added 2 nsf 's that were not my fault. I was educated that 1 was because I attempted to take out the entire amount in my account and upon me calling them they stated they would have charged me an additional {$10.00}, which caused it to be a nsf. Again that is not my fault as I was not educated there would be a {$10.00} fee for taking out the funds. Then the second time it was so that funds could be pulled from ally to my second account and it was returned as a nsf. These to incidents keeps me from qualifying for the overnight funds transfer. If you are able to investigate into this issue so that I could qualify then that would be great.

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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: iReverse Home Loans, Corporation
State: WA

Complaint narrative:
This is not about applying for a mortgage this is about illegal advertising ( in my opinion ) I'm a XXXX and XXXX of my Listing Clients received a letter that implied that I was mailing them a letter. My name, My company and their MLS number was listed as the return address. It made it appear like I was mailing my client a letter. Within the envelope was his marketing letter which actually mentioned that I was possibly involved in a " conflict of interest '' if I was referring a preferred lender. 

I'm very upset and disgusted that he's using my name to get to my clients and it leaves me wondering how many other listing agents are not aware of his advertising practices. 

In the fine print at the bottom he does say that this info is not from your XXXX - this means nothing my clients already thought the letter was from me using me as the return address. I'm disgusted by this type of bait and switch advertising.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I successfully opened an account online with TD Bank in the US on XX/XX/2021. I then successfully deposited over {$5000.00} online over the course of XXXX weeks but a few days later I was unable to login to my account online. When I contacted XXXXXXXX XXXX customer service to unlock my account, I was told that the account has been frozen pending identity verification and that I would need to visit a branch to confirm my identity in-person before they can unfreeze the account. However, due to the pandemic, I am unable to go to the branch as I am taking care of an elderly parent in XXXX where there are XXXX branches for XXXX. I contacted XXXX customer service XXXX times and I was escalated multiple times too but XXXX  is not willing to unfreeze my account. I offered to send multiple identification documents ( passport, SSN card, DL, and bills ) by email or fax to XXXX but all my efforts were rejected. They are also refusing to close my account and refusing to release any funds. This is absolutely an anti-customer approach during a global pandemic and I am very disappointed and regretful for opening this account and depositing thousands of dollars that are now held captive by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: OR

Complaint narrative:
Dear XXXX, XXXX  and Equifax, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are XXXX inquiries on my report that were fraudulently placed there. Ive contacted the creditors and the credit bureaus. Ive sent an FTC and a police report to Transunion and the fraudulent activity still remains on my report. Ive spoke to a manager at Transunion who told me there was nothing that she could do and even though the information was fraudulent it will stay on my report for XXXX  years.

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 2021-04-12 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/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 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 2021-04-12 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: MD

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: OR

Complaint narrative:
Dear Experian, XXXX, XXXX, Dear Credit Reporting Agency ( Experian, XXXX, or XXXX  XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation