vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
LOANCARE unilaterally voided a loan modification blaming the Veterans Administration See attached complaint regarding LOANCARE , LLC Servicing :

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 2022-08-31 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: MI

Complaint narrative:
i called the credit bureaus Transunion, XXXX, XXXX  and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.

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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX  and they did not post until after XXXX, my time in CA.

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 monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am trying to decide on making a large purchase. My US Bank Credit card allows me to use a new feature called XXXX XXXX. This allows you to pay for large purchases over time for a monthly fee and a set payment amount each month. 
However., the bank will not tell you how much the fee is or the amount of payments until you actually make the purchase on your card. 
Ridiculous. There should be a way to calculate that so that you know BEFORE putting a large purchase on your card. Isn't there a law that states rates and fees must be disclosed? They don't, and a snotty customer service rep told me no one will EVER be able to tell me what it will be prior to purchase. 
Unacceptable and it must violate some banking disclosure rule.

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 2022-08-31 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: NY

Complaint narrative:
XXXX a natural person, I am a living human being, I have rights under 15 usc 1681. 
Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC
State: TX

Complaint narrative:
XX/XX/2022 - {$440.00} Collection for XXXX XXXX XXXX XXXX showed up on XXXX credit report, I disputed it with no resolve. Told to contact agency directly. 

XX/XX/2022 - I called National Account Systems ( XXXX ) Omaha - XXXX XXXX XXXX- I provided proof via email to XXXX XXXX that this debt was not correct and not owed by me. 

XX/XX/2022 Called XXXX XXXX back as I have had no further communication from them on this. XXXX stated that the debt has been cleared and my file was closed and I owed nothing. Stated he will email and mail me official notification of this and have the collection removed from my credit reports. 

XX/XX/2022 I have received no communication from XXXX regarding my case and collection is still showing on my credit reports. I called XXXX and XXXX answered the phone, said he could not help and only XXXX can help me. I asked why and he said that is their policy. He said I could leave a voicemail. I asked for his last name and he paused, then made up a name of XXXX. I told him that was not acceptable and he hung up on me. I called back and a XXXX XXXX answered the phone ( it sounded just like XXXX XXXX and he transferred me to XXXX where I left a voicemail. 

Sill not resolved.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is Information on my consumer report that is a result of identity theft. I did not agree for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNTS : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: MI

Complaint narrative:
i called the credit bureaus XXXX, equifax, XXXX and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MI

Complaint narrative:
i called the credit bureaus XXXX, XXXX, experian and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.

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 2022-08-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX have violated my rights .

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 a account without my written instructions.

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 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
In XX/XX/2022 I entered into a FHA loan modification agreement with my mortgage company, New American Funding, due to impact from the pandemic, and in accordance with the C.A.R.E.S Act. I signed and notarized the loan modification documents and submitted them to New American Funding within the prescribed time. However, after several inquiries and weeks had passed, in XX/XX/2022 I learned that New American Funding had made mistakes in those documents which required me to resubmit and notarize another set of paperwork. Although since XX/XX/2022 I have complied with the modification payments my account with New American Funding has been restricted and shows a delinquent status. On XX/XX/2022 I received a letter from New American Funding stating that my account was restored to normal status and then only a few days later my account was back to a restricted and delinquent status. I received my XXXX mortgage statement which shows 3 months of mortgage payments in arrears. This issue is very distressing and confusing. The processing of this FHA loan modification has been terribly mishandled. I have received misleading information from New American Funding XXXX XXXX department regarding the status of my account. I am seeking relief in the form of my account being updated with the past amounts static under the terms of the loan modification and in accordance with the C.A.R.E.S Act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX and transunion they keep putting old stuff back on my credit report and I keep trying to send paperwork it's in paperwork then I give them my identification I give my proof of everything and they keep putting old past stuff back on there and it shouldn't be it's all paid in full everything is XXXX there's something definitely going wrong I should have a XXXX score all that stuff on there is wrong

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 2022-08-31 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. 

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 customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was inform that they had did an investigation of the inquiry that is on my credit report but I don't see how when I call the credit card companies they had no record of me applying with there company If the other two bureaus deleted the information how is it that equifax come with it as verify I want to know how did they verify these accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had the capital one secured card. Paid the {$200.00} refundable deposit. Filed bankruptcy. They will not return my deposit been trying for 2 months now. Card is closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX XXXX Experian, XXXX, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX XXXX XXXX, XXXX, and Transunion is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-08-31 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: TX

Complaint narrative:
on XXXX XXXX XXXX, Equifax, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Third parties are buying the debt from XXXX XXXX XXXX, several had threatened me to court now Portfolio another third party. Portfolio calls me consistently and send letters for payment. Please have them stop contacting me and also its on my credit report in the incorrect amount. This is an older debt but I see a incorrect date thats more current. Thanking you in advance

Company response to consumer: Closed with non-monetary relief