vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
I initially applied for a mortgage loan with SandySpring Bank which I was pre approved for in XXXX when I submitted a contract on a home. During this process which is a short sale, I was finally able to obtain a release from the lien holders on this property to move forward with the purchase. I requested some information from the loan XXXX and was not satisfied with the fees and interest rate that I was not told about up front. I requested that the loan be transferred to another lender. The new lender made a verbal request on XX/XX/XXXX and a written request via email on XX/XX/XXXX to have my FHA loan case number transferred. Further, it was expressed to the loan XXXX of SandySpring bank the urgency in which this transfer needed to be done as I am scheduled to go to closing on XX/XX/XXXX. As of XX/XX/XXXX, the loan XXXX has not sent confirmation that the transfer has been requested. This puts me in jeopardy of not being able to close on this property due to the lack of effort on behalf of SandySpring Bank loan XXXX. I need assistance with getting resolve on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, I made online bookings with XXXX to stay at XXXX XXXX XXXX XXXX, Alaska for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my family and my sister 's family. When I arrived at the Motel on XX/XX/XXXX night XXXX and saw the room conditions were horrible and it is not safe for myself and my family to stay at this place. Therefore I asked the Motel personnel to cancel the reservation for all of the above days I booked, the Motel Employee refused to cancel the reservations and said there is no Manager available. 

Then I contacted XXXX and spoke to them more than 1 hour to cancel these reservations and to make alternate arrangements. However XXXX neither made alternate arrangements for me nor they cancelled the reservations. Myself and our family were Stranded at that time, and we spend the night at our cars in a Parking Lot with no access to Restrooms or Drinking water. 

After I comeback from my vacation, On XX/XX/XXXX I filed disputes with all of the reservations with Capital One and sent all the information pertaining to the disputes to them. On XX/XX/XXXX, Capital One reversed the charges and on XX/XX/XXXX they took the side of the XXXX 's rebuttal and put the charges back again into my account saying that I need to show cancellation proof from XXXX or XXXX XXXX XXXX. 

On XX/XX/XXXX, I filed my response to the rebuttal form along with the images of the horrible condition of the Motel. 

On XXXX XXXX, XXXX, I again sent a response to Capital One explaining about the circumstances that either XXXX or XXXX XXXX XXXX is not providing the cancellation proof and taking advantage of false advertising. 

How do I submit the cancellation proof if XXXX or XXXX XXXX XXXX doesn't provide me one? 

Under the Fair Credit Billing Act- Federal Statute- 1975, if the services rendered and quality are not met to the customer satisfaction then the customer has the right to dispute the charges, however Capital one is denying me the lawful right to dispute. 

Please take up the matter with Capital One and get this dispute resolved and all the charges reimbursed to my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: IL

Complaint narrative:
I came out of forbearance last year in XX/XX/2020 and have a deferral agreement from the bank. On my bank statements it has an Outstanding Principal amount and states my deferred balance. 

The problem is when I'm on the website is shows both amounts and adds and has a combined balance. I've been calling the company for two weeks and have spent over 3 hours on the phone with them and no one can explain why my deferred amount has been added to my starting principle. 

Every time the call ends with a supervisor will call you within 24-48 hours and no one calls me. I ask to speak with a supervisor and they tell me they can not transfer me to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prime Recovery LLC
State: FL

Complaint narrative:
LOAN THROUGH SIMPLE FAST LOANS THEY WERE SENT CEASE AND DESIST, I HAVE ATTACHED EMAIL. 
ON XXXX XXXX OR BEFORE, MY MOTHER RECEIVED NOT ONE BY TWO TEXT MESSAGES FROM XXXX XXXX THE THIRD PARTY COLLECTION AGENCY FOR SIMPLE FAST LOANS. MY MOTHERS NUMBER XXXX WAS NEVER PROVIDED TO EITHER SIMPLE FAST LOANS OR PRIME RECOVERY. THE HAVE VIOLATED THE CFPB. THEY NEVER HAD PERMISSION TO CONTACT ANYONE OTHER THAN ME. IN FACT THE ORIGINAL CREDITOR WAS SENT A CEASE AND DESIST WHICH HAS NOW ALSO BEEN VIOLATED. THEY ALSO REACHED OUT TO MY SISTER AT XXXX DURING THE MONTH OF XXXX OR XXXX. AT THIS TIME I CALLED THE COMPANY AND ADVISED THEY COULD NOT CONTACT ANYONE BY ME BY PHONE AND ALS ADVISED CEASE AND DESIST HAD BEEN SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Received an unsolicited refund XXXX  from Santander Consumer USA in the amount of {$3.00} for overpayment or credit balance on an account for which I am supposedly the owner/consumer. I do not know what account this refers to, if any at all. I do not want to activate the account because it requires a {$3.00} monthly fee for activation and I do not need or want another credit card service accruing fees for which I receive nothing, or at most the actual {$.00} refund. I want my name and account number removed immediately from this company and assurances that this unsolicited account will not impact my credit score. 

I have tried calling both of the customer services phone numbers on the card and accompanying literature and there is no way to discuss the issue with a live person or resolve the issue. 

I am a senior who wishes to make better use of my remaining lifetime than having to deal with phony gimmicks and scams to steal my money, Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to update this late account from my reporting : XXXX XXXXXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent in police report and transunion still won't remove inquires please help me. 


XXXX XX/XX/XXXX XXXX XX/XX/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 2021-11-08 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: TN

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian to ask that they verify a collection on my credit report that I am not familiar with. The account was with XXXX XXXX XXXX XXXX .... Experian said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing Experian another letter and also a letter to XXXX to verify and validate 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 2021-11-08 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: PA

Complaint narrative:
I like to file a complaint for fraudulent debts listed on my credit report that does not belong to me. I have attached an Identity Theft Report XXXX with this complaint. The accounts that are fraudulent : XXXX XXXX and XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit report immediately. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I have sent 2 payments a month to XXXX. The payments were processed within one day and put onto the account. Paid for this card for 4-5 months with no issues. I go in to a store and go to check out to find out my {$340.00} balance is no longer existent. Knowing I paid the bill and it had said paid and the balance was presented. I am rarely late to pay this card and pay over the minimum Once I called the company to see what was going on I told them I have my statements here that state my payment was indeed taken from my bank card and off of my statement. I also made a payment of {$40.00} Friday which shows but doesnt reflect on the account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX, 2016 I received a credit card statement from XXXX. I never opened a credit card with this store and tried to call the number on the statement. It was an automated system and I could never reach a person. I also wrote to the company to explain that this was not my account. I continued to receive statements and filed a police report for fraud. I also requested a copy of the original application for this credit card ( since I did not apply for it ) but I never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted complaint XXXX to resolve a dispute with Fifth Third Bank XXXX The balance on my credit card was {$18.00} on XX/XX/XXXX while I was waiting on a response to my complaint. 
On XX/XX/XXXX I was charged a {$25.00} late payment fee. 
On XX/XX/XXXX I received notice that Fifth Third was going to pay {$12.00} of the {$18.00} in fees. As soon as I got the email that they were going to pay {$12.00} of the {$18.00} in fees, I immediately called 5/3 to pay the {$6.00} remaining. This posted to my account on XX/XX/XXXX. 
On XX/XX/XXXX I was charged a {$1.00} minimum finance charge fee. 
As soon as I received the check for {$12.00} from Fifth Third, I applied that to the credit card account. It posted on XX/XX/XXXX. 
I have called XXXX XXXX, the woman that responded to my first complaint, at the Office of the President, multiple times and left multiple messages over the past few weeks with no response. My calls always go directly to voice mail. There is no other contact information listed for her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX. Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my credit score more than 30 points. I reported this to XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with XXXX, XXXX XXXX and Equifax but they reports are still showing incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my XXXX XXXX more than XXXX points. I reported this to XXXX XXXX XXXX XXXX XXXX Servicing Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with Experian, XXXX XXXX and XXXX but they reports are still showing incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I received notice from XXXX that a collection account was added to my credit report from a company that I have never heard from. I never received anything from the original creditor about a debt owed to them and now this company is on my credit report stating that I owe XXXX {$880.00}. XXXX never sent a notice and then the collection agency Caine & Weiner Company Inc. I have no idea who this company is and the fact that they are reporting to my credit report and dropping my score is a big problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: IA

Complaint narrative:
I contacted TransUnion in XXXX with the credit report that they provided me. There were several hard inquiries furnished on my credit report, in which I the Consumer have not authorized the company to furnish. Fact, that 15 US Code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given my written or expressed consent for TransUnion to do so. I am seeking remedy. The law states all persons are civilly liable. In which Transunion is. I want the information deleted and my remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Hello : I filed a complaint with you about capitalone. They responded because of the complaint and tried to blame the behavior of them dropping my credit score each time I used the card. ( I applied for a card, thinking with my history with them would get me a lower interest rate, though when I applied it was through an offer for pre approval and then the app gave me the card without choice, with nearly 30 % interest rate. {$300.00}. limit. I didn't want the card and still don't. When I used the card ( never more than {$40.00} and pof on the XXXX of ea mo ) they would say I was over and lower my score. ) When they called me they tried to blame the lower scores on XXXX, but the agency clearly shows them reporting me as over, etc. I was upset and let them know it. I am a senior wanting a card to buy an occassional gift, but with their card they had told me I could buy after the bill pronted on the XXXX  and had to have it pof before the next due date to have zero affect on credit. 
Theu HAVE DROPPED MY CREDIT SCORE 30 % ON XXXX AND $ 40 % ON XXXX!!!!!!!!! becasue they are corrupt XXXX. PLEASE GET THESE XXXX  TO CORRECT THIS> I DONT DESERVE THIS AND THEY SHOULD BE PUNISHED!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation