vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I got a letter in the mail from Unifin Inc . It stated that I had atotal amount due of {$4900.00} and that I must pay it or this would be reported against me. The letter lists three different debt companies : XXXX XXXXXXXX XXXX XXXX. None of which that I have any accounts with. I had an account prior with XXXX that is past the statue of limitations to begin with. The issue at hand is the fact that I am a 100 % completely XXXX Veteran and became XXXX while serving my country. This company is contacting me about some debt they can't validate because I was overseas and had protection from the military lending act as well as the service members civil relief act ( scra ) from XXXX XXXX when I became XXXX. All accounts were notified when I XXXX and when I became XXXX. This company is harassing me for debts not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi i applied for a American ExPress Credit Card. XX/XX/2020, the gentleman on the line explained i put a fraud alert on my account threw XXXX i need to give him my correct phone number to be able Open My Fruad alert Account to go forward with the application. i decided to wait intil XXXX  updated my Personal information before i get another inquiry finally my personal information was updated A Month and half Transpired i decided to go forward with the application on XX/XX/2020 only to be denied Twice. when i have a Good credit Score. on top of that there trying to lower my credit score could you please help me I will Mail in any supporting Documents When I receive them from XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: MN

Complaint narrative:
XX/XX/2020 Equifax Credit Information Service reported again for the third time information to my creditor XXXX XXXX that my credit score with them is XXXX causing them to close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I initially started the process of buying my home back in XXXX. My mortgage started with GMAC and then was sold to Ocwen and then PHH mortgage. My purchase home price in XXXX was XXXX. When my mortgage was with OCWEN I was quoted a a mortgage payoff of XXXX. Now PHH mortgage is telling me my mortgage is back at the original price of XXXX after almost thirty years of making payments. They quoted a refinance I did back in XXXX as the beginning year of buying my home. Would you please look into this matter for me. My loan is in preditory status. I would like to pursue class action lawsuit against all three mortgage companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously disputed a bankruptcy showing on my Experian credit report although I provided clear proof that the XXXX county courts confirmed they do not and have not provided this information to Experian .Experian refuses to remove most recently stating the information was received from XXXX XXXX I have contacted XXXX XXXX and confirmed there is no bankruptcy in their records as Experian has indicated my most recent Experian report number XXXX copy attached listed the bankruptcy and XXXX XXXX as the source This is a direct violation of my credit reporting rights to have true and accurate information in my file

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 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DataMax Corporation
State: NC

Complaint narrative:
DATAMAX CORP This account was paid for with XXXX. 
I have asked them to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.

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 2020-05-23 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: MD

Complaint narrative:
I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: MS

Complaint narrative:
I contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX XXXX, XXXX XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: MD

Complaint narrative:
I made several requests for investigation and validation of information on my report from the bureaus.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently made a request to increase my credit limit of {$3500.00} to {$10000.00}. My current balance on the card is less then 30 % utilization and i have no late payments beyond 30days on my credit. During this process the representative asks for my monthly income and informs me that a decision would be made based upon this information and if any further information was needed or credit would need to be pulled i would have to give consent. I received a letter of decline of my request for the following reasons.

My credit card balance was to high Late payments. 

Both of these statements are not true and when i called to ask about this i was met with a VERY rude person name XXXX in credit department who wouldn't even let me complete a sentence about my situation, constantly cutting me off with every question i tried to ask. She proceeds to tell me the decision was based upon information given from XXXX  and that i have multiple late payments, despite no records of this on any of my credit reporting information. Not to mention i did not give ANY consent to a credit check and was not contacted before hand.

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 2020-05-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2020 I tried accessing my free credit report thru all three credit bureau 's via XXXX. I was able to successfully get the report via XXXX and XXXX. Equifax showed me verification questions that were for lack of a better word " Garbage ''. None of those applied to me so I chose None as the answer. It then said I can not get the digital report and need to submit a manual request. Upon further research via XXXX, I found that this has been a persistent problem with Equifax and folks are incensed about the experience. 

In this day and age of identity theft, I feel highly uncomfortable sending a manual and enlarged photo copy of my SSN card/any documentation that contains my unmasked SSN on it that can be stored in the company to potentially give access to nefarious people. The recent history with Equifax 's data breach has taught us they could not keep our data safe online. Why should I trust they will keep an unmasked document with my full identity and SSN on a paper copy safe? If XXXX and XXXX  can develop a software that can ask legitimate and meaningful verification questions, then Equifax should be held to the same high standard and can not be allowed to get away with the nonsense they put the consumers thru especially if this has been a known issue for over 7 years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I made several requests for investigation and validation of information on my report from the bureaus.

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 2020-05-24 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: MD

Complaint narrative:
I made several requests for investigation and validation of information on my report from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I had XXXX  and got a loan from XXXX. I fell behind and the loan went into collections. After some time I forgot about it. I tried to call them when I ran my credit and saw it. The redirected me to speak to sequium. I called them and paid my debt. They have not updated this on my report. I received a letter from them but when I call them and XXXX I keep getting the run around. Im trying to obtain a mortgage loan and because this is not updated I am having problems. I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I became aware of fraudulent activity with my primary checking Visa debit card. I reported it to my bank, the State Employees Credit Union/SECU, and cancelled the card. I followed up on Monday, XX/XX/XXXX, after the two fraudulent charges posted to my account. I was assigned a support case number but told it would take ten business days to refund the money. In any case my liability would be limited to {$50.00} as I reported the fraud less than 24 hours after it happened. There were two charges, {$370.00} and {$390.00}. I waited ten days and contacted them again on XX/XX/XXXX. They said they had no record of my having reported anything even though I had an email acknowledging it and assigning a support case number. The woman I spoke with said I would have to start over and wait another ten days. I spoke with her manager and he refunded the money that day. On XX/XX/XXXX they reversed the credits and took the money back out of my account. The person I talked to said they had investigated and decided the charges were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
No response from request letters

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 2020-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust COVID " non-access to service '' is out of control. I do two wires every month. Fine, I will do drive through. Now Suntrust pulled that from my branch where everyone knows me. So now I have to drive across town and do international wires with people that don't know me. if you know me and you see my face on camera and you have my ID, let me do my XXXX wire. 

I have a safe deposit box. I have important documents and sometimes need to deposit cash instead of keeping it with me and risk having it stolen. Today {$7000.00} in cash. I called to come over to get to my box to make my cash safe. I'm told I have to make an appointment and I have to wait 3 to 4 more days for an appointment. GET MORE STAFF SO YOU CAN HANDLE YOUR CUSTOMERS. A few weeks ago I had to stop a closing on a property becuase Suntrust would not give me access to my box. If we can't use the boxes then just close all of them so we can take our business somewhere else. 

This merger is a disaster already. I don't mind sitting in my car for 30 mins to keep us all safe, but OFFER THE SERVICES THAT YOU ARE SUPPOSE TO OFFER TO YOUR CUSTOMERS. You keep charging me stupid XXXX fees on my account and then refuse to help me. I'm NOT A HAPPY CUSTOMER!!

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 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Sent letters to Trans Union Disputing inaccurate information on my credit report and they have neglected to send me an update or response.

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 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
In XXXX i notified XXXX XXXXXXXX that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX  following a severe accident in XXXX. I told XXXX XXXX in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to Malen & Associates who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of XXXX XXXX. I attempted to settle with Malen & Associates minus the recovery fee and past due fees and was immediately sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
No response from request letters

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 2020-05-24 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: AL

Complaint narrative:
No response from request letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: VA

Complaint narrative:
Child Support is unconstitutional being report in your 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 explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
Exeter finance is still reporting that I owe {$7100.00} for the XXXX XXXX XXXX. XXXX XXXX I was awarded about {$14000.00} and the XXXX county judge XXXX XXXX XXXX located in XXXX. Michigan extinguished the financial contract between Exeter finance and I. I have a green title and the lien holders name ( Exeter finance ) was removed. I have been calling Exeter finance, XXXX, XXXX, and XXXX  to correct this matter and nothing has been corrected. This is still reporting negatively on my credit. The companies involved are Exeter finance ; which is the finance company that I sued in XXXX of XXXX. I should have a XXXX   balance because I own the vehicle. XXXX quality cars located in XXXX Michigan is the place I also sued and that is where I purchased the vehicle. My last payment was XX/XX/XXXX I won the settlement XX/XX/XXXX. This is being reported as charged off/collection, and unpaid balance reported as loss by the credit grantor. My lawyer said this should Be erased off my credit report as if I never even purchased the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: VA

Complaint narrative:
Child Support is unconstitutional being report in your 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 explanation
Consumer complaint received 2020-05-24 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: VA

Complaint narrative:
Child Support is unconstitutional being report in your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX i notified capital one that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX following a severe accident in XXXX. I told capital one in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to XXXX XXXX XXXX who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of capital one. I attempted to settle with XXXX XXXX XXXX minus the recovery fee and past due fees and was immediately sued.

Company response to consumer: Closed with explanation