vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
I applied for an FHA loan via banco popular in XXXXXX/XX/2022. I worked with XXXX XXXX XXXX who informed me I would not be accepted for a loan due to me not selling my current home. 

I explained I had a tenant lined up and would be able to provide a lease before closing but XXXX who was a mortgage consultant denied my opportunity to move forward with the loan and refused to return my calls or emails asking for a denial in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with XXXX to freeze my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MT

Complaint narrative:
On or about XX/XX/2022, I purchased online 2 boxes of XXXX XXXX XXXX XXXX XXXX for {$150.00}. I never received a confirmation email for my purchase!! I then looked at my credit card account and saw that a company named XXXX was listed for the purchase. That wasn't the name of the company I purchased it from, but I assumed everything was okay. I waited and never received my purchase. I assumed the delay was due to all the trucking issues we have been having in the U.S. 

On XX/XX/2022, they delivered via USPS a XXXX XXXX XXXX from XXXX AND from a different company that XXXX! At first, I assumed the XXXX XXXX  came from an order that I had cancelled on XXXX since they were out of stock for a color that I had wanted on a XXXX I had ordered. I thought the XXXX store sent it as a gift. I put it out in the garage for trash. However, I later found out through Capital One that this was supposed to be my 2 boxes of USA XXXX! 

I have sent Capital One ALL the information I have, and they refuse to credit my account for the scam. I even gave them information from XXXX XXXX XXXX to show that several other people have been scammed by this same XXXX company and received a XXXX XXXX!! 

I can not return the XXXX XXXX to the company because the XXXX Utah address shows no mailing address. I have searched for it. Furthermore, the XXXX website says that in order to return to them, you need to provide the confirmation number ( which they conveniently never sent me )! I emailed XXXX twice for my confirmation number so I could return the XXXX XXXX, but they have never responded. I also called their phone number and have received nothing but a busy signal!! The XXXX website also says to NOT mail a return item to the address on the website but that they will provide another address! How can they provide this address if they never answer their phone or respond to emails? I have copies of my emails sent to them. I also have a printout from my XXXX account to show I have never received an email from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Since the beginning I was getting a high interest rate ( over 18 % ), when the seller show me the monthly payment it was calculated over a 21 % instead of the 18 %, I complained about it and they were supposed to adjust it, after some papers done I was unable to get the money for the down payment and the insurance was really high and I call them to cancel the deal, but they refused and told me I should give them the down payment or it will create a bad record on my credit history, by the way I never got the car, I tried to contact them to pay a fee to cancel the deal but they refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
Good Afternoon ; I have been using Ria Money Transfer since XX/XX/2021. I downloaded the application, and I was able to send money to XXXX and XXXX, where I have my relatives. I have not had problems for all these months until today. I was sending money to XXXX when my phone received a phone call, and I couldn't put the code to send this money. Then when I returned to the Ria Money Transfer app looked like the money was sent, which is weird since you can send money only with a code. A few minutes later, I received an email from Ria Money Transfer saying that I couldn't send money to the person to who I was sending the money. 

I called customer service ; they were very friendly, explaining what the email meant. Then I received another message from Ria Money saying that my account had been canceled. At that moment, the representative changed his tone of voice and became more aggressive. He told me that my account had been canceled. I asked, what is the reason? 
He replayed that it is the company 's policy not to give any information about their internal decision. I was never informed of their reason for blocking my Ria Money transfer account. I'm an outstanding citizen of the United States of America. I have never been denigrated. I feel that this company doesn't explain its policies, so I, as a customer, can fix any mistake on my part. At this point, I feel like a delinquent, and beyond that, I can't send money to my relatives any longer through Ria Money Transfer. I have spoken with several representatives without a justified answer to eliminate my account. They told me that I would never be able to use their service. I asked to speak with a manager. They told me that I couldn't. People like me can't infringe on their policies and procedures. I leave this complaint to you because they act as if nobody regulates them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, XXXX, and EXPERIAN. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with XXXX, XXXX, AND EXPERIAN has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

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 2022-08-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/2022, I received a letter from Comenity Capital Bank ( XXXX credit card ) informing me that they had charged off my XXXX account and sold it to XXXX XXXX XXXX ( XXXX ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from XXXX stating I had a XXXX XXXX balance on my XXXX account. 

I spoke with XXXX and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the Comenity Capital Bank credit bureau line item. When I called Comenity Capital Bank, they tell me that they no longer have the account and that I will have to resolve the credit bureau update with XXXX. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: NJ

Complaint narrative:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: CT

Complaint narrative:
XX/XX/22, {$1100.00}. This debt was settled with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: IN

Complaint narrative:
See attached documents - violation of my federal rights to privacy 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 )

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 2022-08-11 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: FL

Complaint narrative:
I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with Transunion to freeze my credit report.

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 2022-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with XXXX to freeze my credit report.

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 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: GA

Complaint narrative:
None of the problems listed adequately described my problem. 

Lender : America First Credit Union, based in XXXX. 

Our lender for our vehicle didn't receive our title from the seller for over a year from the date we purchased the truck in Utah, and when they didn't receive it in the requisite time frame, they never followed up to get our title from the seller. Therefore, they didn't have it when we needed it. We lived in XXXX at the time we bought the truck. We have since moved to XXXX and our XXXX tag has expired. We have called every single month since XXXX trying to get them to send our title to the state of XXXX, and they have been unable to do so. When we initially called, it was because they never received our title, so they ordered a duplicate, confirmed they received the duplicate with us, but have continued to fail to send it to the XXXX XXXX XXXX for us. We have called every month ( XXXX through XXXX ) to request that they send the title, and they continue to act confused about where the title is, whether they have sent it, and they never send us follow up communications about our requests, even when they say they will. They are so disorganized and incompetent and have not been able to get our title to the XXXX DMV for four months, despite us regularly calling to complain and follow up. We can not legally drive our truck without an active registration and we are unable to get an active registration without a title being sent to XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
While I was in XXXX on XXXX XXXX with opened my credit card back in XX/XX/XXXX. I didn't use my credit card for while due to training and serving XXXX in XXXX. In early XXXX, I started to check my bank account and saw my credit score went down below XXXX which never use before later on, I check there was a debt collector who tries to sue me that I own them from old apartments which were no longer there. I spoke to XXXX as a manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the statement below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments Account information disputed by consumer under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: PR

Complaint narrative:
Trans Union responded and C.F.P.B. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY XXXX XXXX ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED TRANS UNION FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR XXXX XXXX ATTORNEY XXXX XXXX XXXX, BUT TRANS UNION DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO TRANS UNION TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY XXXX XXXX, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR TRANS UNION TO RECOGNIZE HERE IN THIS RESPONSE XXXX XXXX FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.

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 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have tried by the means of obtaining a modification in the loan, but it has not been possible, they always disqualify me for one reason or another, I understand that investors, bankers, lenders, opportunists, this situation is convenient in the economy is specifically with the Housing in all the United States, where an inflation has been created in an uncontrolled way, in my understand A created situation. 
I hope this agency will be in charge of thoroughly investigating the situation that is actually living in this nation with reference to homes. 
This company that I have the investor administrator called ( Nation Star ) now ( Mr. Cooper ) have been approaching thousands of properties throughout the country, making mortgage executions in most cases violating the law of the law of ( Respa ) The Real Estate Settlement Procedures Act Was A LAW PASSED by The United States Congress in 1974 and Codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. 26012617 ( Tila ) The Truth in Lending Act of 1968 is a United States Federal Law Designed to Promote The Reported Use of Consumer Credit, By required disclosures about its therms and cost to standardize the manner in which Costs Associated With Borrowing Are calculated and disclosa. 
I hope from this agency your collaboration in the investigation of this ( Mr. Cooper LLC ) of its administration as they are carrying out all these procedures that take steps required by law, and which in my opinion are not doing it, the law is The law and nobody should be above it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX insurance ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

National Credit Adjusters was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
I had been pre-approved for an FHA Loan with Amerisave Mortgage and we started the certified approval process. The lender XXXX XXXX sent out VOE 's to my present and past employers which is fine but then he followed up on a separate email with me and both the past and present employers payroll on the same email - sending them all of the email threads we had with my wages from both employers in that email. On top of that the old employer now knows where I currently work and I was harassed while working there and since I left they have harassed me. 

Now I have to worry about the harassments to me and my new employer from the previous employer. and possibly loose my new job. 

Amerisav toldl me the only resolution is to use the lender that messed up everything or go to another bank. They won't give me another lender even after I have paid to lock my rate in and this lender messed up big time!.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief