vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: FL

Complaint narrative:
On XX/XX/XXXX I sent Experian a certified letter, Certified Mailing : XXXX, informing them and providing them proof. I received a letter back from Experian dated XX/XX/XXXX Report # XXXX stating that they would not remove the debt even though they were provided with relevant information and documentation. 
After several attempts, Experian has refused to remove this unverified correct information from my credit report. Experian is refusing to correct information for Account : XXXX XXXX XXXX, Account : # XXXX After being provided proof of account inaccuracy. 
Experian has refused to correct information on my credit report after being provided proof of inaccuracy and due to this, I have suffered the following violation : Defamation, willful injury. Based on FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv01743 ).

Fine : Extent of damages incurred by the wronged party, as deemed by the courts. 

IN ADDITION : XXXX DID NOT VERIFY THE DEBT WITH ME AND IGNORED THE CFPB COMPLAINT DUE TO THEM NOT BEING ABLE TO VERIFY THE DEBT ( SEE ENCLOSED COPIES )

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 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I order a XXXX XXXX on XXXX from HSN.com ( credit card from Synchrony Bank ). 
In XXXX Synchrony close the account, HSN send me an e-mail to put a credit card to make payments. The XXXX XXXX  was for {$190.00}, first payment of {$49.00} was paid on XXXX and the rest was paid XXXX each month until XXXX of XXXX. I don't have all the dates I call HSN and Synchrony Bank but each time I call hey said it was been recorded. Each time I call either one they transfer me back and forward. I told Synchrony Bank they need to get their money from HSN.

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received a card from XXXX thru Comenity Bank that I did not apply for. Within days, I received a letter stating that there were " potential security concerns ... ''. Because this is the SECOND issue of this nature with cards being issued fraudulantly in my name, I want this account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I have filed BOTH a police report with XXXX Police Department AND a FTC Identity theft report. Equifax is still refusing to remove a fraudulent inquiry from an account obtained via identity theft. I will be attaching my FTC Identity Theft report. I will follow up with the XXXX Police report ALSO as soon as they give me a copy. I already filed this and CFPB said it's fine to keep inaccurate identity theft on my credit report. IT IS NOT. IT IS ILLEGAL. I am providing the FTC report. Then I'm suing under fair credit reporting act. You now have a law enforcement report. Failing to remove now is malice. I'm entitled to {$1000.00} summary judgment if you choose to break federal law again because now I can prove malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer reporting agency reporting inaccurate and invalid account information. Advised them and nothing was done. They shared private personal and financial information with others without my consent in which I did not authorize or benefit from. Compiled these private matters without my consent.

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over the past 2 years, Capital One has refunded 4 late fees and the majority of them have been during the worst of the coronavirus stay-at-home order where I had virtually no income to which I am grateful. But, I made a payment 1 day late due to the fact that I had no money till I got paid today due to losing 2 renters of rooms in my house due to the coronavirus pandemic. Both renters lost their jobs and had to move out leaving me to make a choice between paying some bills a little late or paying essential bills and costs.

I foolishly assumed that Capital One would be considerate of the pandemic, which they know about since their customer service agents are still working from home, and waive the fee. Instead, they offered to make a payment arrangement on a payment that I already made?? After speaking with a customer service agent and a second level agent Capital One would not allow their agents to refund the fee in their computer system. I also tried to do this via an automated help forum and was also denied. The extremely wealthy people that own Capital One bank do not want to refund me this fee regardless of the pandemic that is affecting me to the core! It's shameful that while everyone else suffers the billionaires that run the corporations that we all now like it or not depend on won't even throw consumers a small bone to help!

I need this money back and I need my government to protect me from the billionaires that are runningown these corporations!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: REMAX
State: SC

Complaint narrative:
I filled out an application for rental with Re-max Advantage in XXXX, XXXX. I was denied a rental based on the information from XXXX XXXX stating I had no prior rental history. The agent there XXXX provided me a denial of housing based on my rental history and kept my application fee. I requested an XXXX XXXX  statement because I have no priors of a bad rental history and my credit score is excellent. I got a denial letter with fraudulent information that could be damaging to my rental reputation with companies using XXXX XXXX in the XXXX or surrounding areas. I had my credit pulled in search for housing from XXXX, and the credit report pulled my correct rental history and credit score over XXXX in the last month. The letter sent about my rental history is completely inaccurate compared to XXXX and XXXX. My credit listed on the XXXX XXXX  you sent is displaying a XXXX, so it's hard to believe that I would have a bad rental history with that score. I spoke with my old property manager and was that no one contacted the property for verification. I also provided Remax Advantage with copies of my recent credit report. There is a rental listed on my application from a property XXXX XXXX, XXXX XXXX  that I've never lived at per XXXX. I recently relocated from XXXX, XXXX  and resided at a property there for 4 years that was not listed on the report. I filled a complaint with XXXX  against Remax Advantage, provided them with my most recent XXXX report and was still advised my rental application was denied based on my rental history from XXXX  XXXX  visibly showing different on my XXXX report. I would like my application fee of {$75.00} returned back as well. I provided accurate information about my last 3 year rental history with Remax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I purchased a vacuum on a XXXX XXXX. I performed everything i was supposed to in order to receive a total write off on the item I purchased. My sales rep refused to submit the appropriate paperwork to have this debt taken away. I have told the company repeatedly to stop calling, that my financial situation was not the best right now due to the pandemic and getting a divorce. They still continue to call and send mail correspondence. They have even contacted me via phone at my place of employment. This could cost me my job. A representative with the company came to my home, crossed a gate that states no trespassing. My XXXX XXXX  were home at the time. This is not ok as we are in the middle of a pandemic and everyone in my home is considered high risk. I was also granted this in the divorce as I had completed the contingency terms of my contract and was having difficulties with my original representative. I have asked them repeatedly to remove my ex-husband from the account, provided them with a copy of my divorce decree and asked them to remove this from his credit report. They said they removed him from the account and they have not. The notice left on my door from their rep has his name on it and they are still posting his credit. I have disputed this on my credit and he has disputed it on his.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
my loan processor sent me a letter saying they did not pay supplemental tax bill from my escrow account. That I now need to pay the property taxes plus interest and penalties. 

I was not watching for property taxes because I had done an escrow account and taxes were to be paid from that account by my loan servicer I believe what happened is when I purchased the home the original property tax bills were paid by my loan servicer. But in California another bill is sent because of the increase in assessment amount based on the purchase price of the home. 

I refinanced about 6 months after closing. 

My servicer some how missed the supplemental bill and is now wanting me to cover the taxes and late charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, I made a total of 5 money transfers through WesternUnion totaling US {$38000.00}. On XX/XX/XXXX, WesternUnion informed me that the transactions had been cancelled by WesternUnion and would be refunded. On XX/XX/XXXX, I received a refund on one of the transfers for {$8000.00}. Since then, I have been in contact with WesternUnion daily to get the remaining {$30000.00} refunded but with no success. WesternUnion has not provided me with any explanation as to why the funds are not being refunded, only that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To whom it may concern, I have recently learned how to check my credit report and scores and noticed a few accounts that were opened fraudulently in my name. I have reached out to the companies to have these accounts investigated and to provide proof of account. None of the companies furnished proof. My ID and personal information was comprised years ago and I am still suffering from this tragedy. Here are the accounts that I need to have removed. 

Portfolio Recovery - {$680.00} XXXX XXXX  - {$1600.00} XXXX XXXX - {$1000.00} XXXX  XXXX XXXX - {$970.00} XXXX XXXX {$9000.00} XXXX XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Back in XXXX of 2021 Navy Federal Credit Union chose to accept my payment extension/defferment but didn't choose to tell me that they would report a missing payment and take my 100 % payment history from me they told me they would update it back its been months I still have a missed payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX and purchased a used XXXX XXXX XXXX XXXX XXXX. I came into the dealership with a letter from Capital One saying I was pre-approved for a purchase up to {$35000.00} After making me wait in the lobby for nearly an hour they came back and said that the lender ( Capital One in this case ) mandated that I purchase an Extended Warranty and that was the only way I would be funded ( at 16 % APR no less ). 

They said it covered bumper to bumper and was a good idea on a 4 year-old car. The cost was nearly {$3000.00} which was disclosed on the loan docs but not made clear to me at the time of purchase. 

Never the less, I brought the car in to the XXXX XXXX dealership for the XXXX service a few months later only to find out that none of the extended warranty applied. Fine. 

So I called the warranty company listed on the loan docs asking how to cancel the service. They said that I had to go the dealership where I bought it so they could get an odometer rating. Ok ( again ). 

On XX/XX/XXXX, I went to the dealership and requested a cancellation. They filled out the paperwork and gave me a copy of the request [ attached ] after I asked for it ( no, they did not volunteer giving me a copy ). They said that the refund of {$280.00} ( as disclosed on the form they gave me ) would be sent to the lien holder ( i.e. Capital One ). 

I closely monitored by Capital One account and never got the refund applied. I repeatedly called XXXX XXXX XXXX XXXX who said " it can take a few months '' to get your refund ( really??? ). 

In XXXX, I paid off the Capital One loan without the refunded amount applied. I continue to call XXXX XXXX XXXX  asking where my refund is but nobody can answer over the phone and they never call me back with an answer after insisting that they will research. Lastly, on Friday, XX/XX/XXXX a representative said it is showing as cancelled on their end ( great ) but he doesn't know where the refund is or when it will be paid. 

It's been 2 months since I cancelled this policy and still haven't receive my refund nor can I get an answer as to if/when I will and how now that Capital One has been paid off. 

I'm angered that they insisted adding the extended warranty ( I had a pre-approval letter from Capital One and nowhere did it say this ) ; only the dealership spoke to the lending regarding this. They got their money when I got the car. Now that I have cancelled this unnecessary add-on, my money is nowhere to be found. 

CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: IL

Complaint narrative:
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, So called " Creditor '' FCRA Section 611 Part ( A ) ( 1 ) have failed to respond to written validation of no debts and liens. According to UCC California there are no liens on my name or property. After this company contracted with XXXX XXXX, they have in fact stolen my private vessel. Have notified said companies of a cease and desist FDCPA Section 805 ( c ), I have asked in administrative process, to proof said claims FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, still nothing after months. Fraudulent merchant claims of property that has been paid. Willful intent of harm, injury, false facts, defaming of character, my credit report as a consumer of heaven, and causing intentional emotions distress. Also under Under 15 USC 1681b - Permissible purposes of consumer reports, CONSUMER PORTFOLIO SERVICES never gave XXXX written consent to report anything on my report. This is in fact IDENTITY THEFT. I would like my property back and response and remedy from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We purchased a home in XXXX  XXXX  and the amount was {$66000.00}. Due to the mortgage financial meltdown around XXXX, the U.S Government closed GMAC the prior servicer and a new servicer came by the Ocwen. The New Servicer Ocwen sent a Modification document. Ocwen increased the unpaid balance from {$58000.00} to {$85000.00} and the Maturity date from XXXX to XXXX. Also, the modification was not signed by one of the original owners meaning a signature was missing or forged by ocwen. 

My concern : 1. Why the unpaid balance increased from {$58000.00} to {$85000.00}? 
2. Why the Maturity date changed from XXXX to XXXX? Why 6 Years extra? 
3. Who authorized Ocwen now PHH Mortgage to steal or deceitfully rip us off? 
4. Should the $ XXXX added to the principal ( {$27000.00} = {$85000.00} - {$58000.00} ) or unpaid balance enough for the two ( 2 ) years Ocwen stated we didn't pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC

Complaint narrative:
II started with the program over a year and a half and in this time they have consistently given me the run around charged me for the membership as well as are tricking people to giving them good reviews on various social media and XXXX services to contribute to their reputation to receive funding for their program. In this past year and half they have collected my personal data info and allowed it to sit never moving forward on their promise to assist. They force you into thinking if you do not give them a good review they will not help you. they finally stated that I had to give them 5 different reviews all good because I was afraid they would not help and now they will not answer emails or calls never following up and will not help me in the process. They are a fraud of a NPO and receiving government funds this should be stopped. They informed me not to move forward with any home offers until they helped and never did for more than a year and half and now the prices are very difficult for me to purchase affordably. Below is a picture of what they sais the only condition was to move forward which I have proof I complied and now they will not even return an email or a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: IL

Complaint narrative:
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington is saying that I'm {$2500.00} past due. I know this isn't true I have been under bankruptcy protection for 51 months and I have never missed a payment. From reading the complaints on their XXXX  record other homeowners say keep your payment receipts and bank statements. I have done all that since Carrington took over my home lown. My payment has changed to {$560.00} and I just paid that and they are showing that payment on my mortgage statement. I keep all mortgage statements and bank statements so they can't say I'm not paying my payment. I am worried when my bankruptcy ends they will try to foreclose on my own even though I am making my payments. I was making my payments with XXXX  XXXX XXXX had my loan but they weren't applying the payments because they wanted to wrongfully foreclose on my own and were in the process of foreclosing on my home even though I was making my payments. Which Is why I had to file bankruptcy to save my home.

Company response to consumer: Closed with explanation