vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.

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 2021-07-26 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: TX

Complaint narrative:
On several occasions I have reached out to XXXX, Equifax and XXXX  and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX-XXXX- Not my account XXXX XXXX XXXX-XXXX- Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX  XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
On several occasions I have reached out to Experian, XXXX  and XXXX  and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX  XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX XXXX-XXXX- Not my account XXXX XXXX XXXX-XXXX- Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX  XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980

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 2021-07-26 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: MI

Complaint narrative:
On XX/XX/XXXX of 2020 XXXX XXXX  XXXX illegally ran my credit through four different credit bureaus in my attempt to purchase a vehicle I did not authorize by physical signature electronic signature verbal agreement or any other type way shape or form to allow them to do any other Financial inquiries into anybody but XXXX XXXX and there's even a duplicate of XXXX XXXX there was four different credit bureaus that they ran my credit through trying to obtain financing for my vehicle when I paid half the vehicles value down in cash they illegally violated the Fair credit reporting act and went against state and federal regulations that disallow them from creating environments that would damage my credit so badly that I've been affected monetarily in the long run without realizing that this had happened this seems to be reprimanded and fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
NOTICE IS HEREBY GIVEN that an action has been commenced and now pending in this court upon Complaint of the above-named Plaintiff against the above-named Defendant ( s ) for the problem is a predatory and fraudulent loan perpetrated against the XXXX XXXX ( Plaintiffs ) by Caliber Home Loans, INC. ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Defendants ) including GRAND THEFT OF MONIES PREPAID IN AMOUNTS OF {$52000.00}, and {$2000.00} via cashiers check in good faith but which amounts were swindled by defendants with the use of material misrepresentations, fraudulent disclosures, and by other fraudulent and deceptive instruments used to unlawfully inflated a purported mortgage loan to astronomical and deceptive amounts inconsistent with law and the initial agreement. There is a further breach of contract issue for failure to deliver the home bargained for. I have two different HUD1 disclosures. They charged me closing cost twice. I have all the email and documents. The closing attorney provided false discloses. There several of breach of contract. The builder shorted us 66 square feet of the house that picked for the floor plan. I asked for a QWR. When I received it the company told me they could speak to me about my account. They short the loan so fast that we have two different payoff balance. They can't even produce the note. Plus, the Seller didn't pay closing cost. On the contract under financing the Seller stated Purchaser is responsible for all closing fees. The loan was {$190000.00} and added closing cost in the loan making the total {$200000.00}. Plus I was suppose to pay 3 % down because they stated We qualified for conventional loan, but they stated I had to bring over {$50000.00} XXXX dollars. I have all email and the attorney they South Carolina Consumer Affairs a different hud from closing so I glad he did that so I have two different huds. 
1 ) Predatory Lending 2 ) Fraud 3 ) Breach of Contract 4 ) FEDERAL EQUAL CREDIT OPPORTUNITY ACT 5 ) RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY 6 ) FAIR CREDIT REPORTING DISCLOSURE 7 ) Right To Choose Closing Agent/ Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Account with Ally is paid in full. Still shows on all credit services. Ally said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. Ally states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit

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 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have logged over 3-4 hours on the phone with SunTrust during the calendar year of 2021 trying to get them to properly process and reconcile the payments we have made on a mortgage we have with them. This experience has been nothing short of baffling and excruciatingly frustrating as we have ZERO confirmation that our explicit request are being handled, the details of which I will provide below : Beginning in XXXX on the XXXX a payment that was submitted as a 100 % principal-reducing payment was incorrectly applied by SunTrust. I called and requested a payment correction, to which I was told by the person on the phone in the servicing department that it would be done. After a few weeks it appeared online that a " correction '' was made but no amount was reflected next to that date. It also did not appear that the balance we saw online reflected the correction. 
In XXXX we had another payment that was submitted get incorrectly applied, and I had the identical conversation requesting the payment be adjusted to 100 % principal reduction on or around XX/XX/XXXX ( correcting an end-of-XXXX payment that was received ). 
Again in XXXX we had another payment get misapplied and at this stage I requested SunTrust not only make the correction but send me a detailed YTD payment reconciliation as neither the printed statements NOR the website properly reflected the payments being applied per our instructions. I was assured by the service person on the phone they had been properly applied and was told we would received a statement. 
Once again in XXXX I had to make yet another call to request a payment adjustment and once again I asked for the aforementioned statement since we never received it the first time. The person on the phone said it would be sent in the mail, however I explicitly asked for it to be sent via email since the last request never arrived. They said they would do so and I should expect the email in 7-10 days. It has been 2 weeks and we have not seen the requested statement. 

It should not take me this long, or be this hard to get a properly payment reconciliation of my loan. I need help ensuring that our explicit instructions are being acted upon and to-date I have no proof that they are.

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 2021-07-26 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: VA

Complaint narrative:
On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX  of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: VA

Complaint narrative:
On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.

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 2021-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.

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 2021-07-26 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: GA

Complaint narrative:
Account with XXXX is paid in full. Still shows on all credit services. XXXX said the reported paid off closed on XX/XX/2021. None if the credit companies have received payoff information. XXXX states they will fax payoff letter and do not do it. I have disputed with each credit company. Still unable to get it removed from my or my husbands credit

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 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
I had XXXX XXXX XXXX credit card from FNBO ( first national bank of Omaha ) bank. The card has a benefit of {$100.00} credit for XXXX XXXX application every four years when applying XXXX XXXX program using this card. 
I applied XXXX XXXX on XX/XX/XXXX. The charge posted on XXXX XXXX. FNBO refused to credit {$100.00} after several months ' communication ( called several times, first stated will have to push the credit thru manually, recent call just simple stated the charge does not qualify. 

The charge from XXXX XXXX application : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$100.00}

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 2021-07-26 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my 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 2021-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Last week, I received a check in the mail for a {$1200.00} " XXXX XXXX ''. 
The check is dated XX/XX/2021 from Worth Finance Corp., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

The terms of the loan are 12 payments of {$150.00} for an APR of 82.51 %. 

I did not seek this loan. All I need to do to accept this loan is to cash the check. 

This appears to be a bulk mailing. ( Mailed from zip code XXXX Permit No. XXXX ) I believe the interest rate is usury. If this conduct is not illegal, it probably should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I made my mortgage payment to Mr. Cooper on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I called Credit Acceptance Co asking for Calculation of Deficiency or Surplus, which I never received in the mail.

Under UCC Article 9-616, a creditor who fails to provide the letter waives their rights to a deficiency.

Also looking over the documents gathered from the previous report my name was entered electronically without knowing. 
Also how can my trade name be used when my legal name status is XXXX XXXX XXXX. 
The installment that is listed on my credit report is nothing more than a credit sale which means it is usually sold at auction since it was voluntarily repossessed is usually sold at auction to pay off the unpaid balance. 
Credit acceptance has been reporting inaccurate information and would like it to be removed from 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 explanation
Consumer complaint received 2021-07-26 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Nation Star Mortgage is showing that I had a late payment inXX/XX/XXXX. Nation Star sold my account to Mr. Cooper in XXXX and then Mr. Cooper sold my mortgage to XXXX XXXX XXXX who still owns the account. So Nation Star Mortgage should not be reporting and information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021

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 2021-07-26 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: OH

Complaint narrative:
I made my mortgage payment to XXXX XXXX on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.

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