vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!

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 2021-05-27 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Hyundai financed cat & it was totaled. They admitted they never notified me of my balance after car totaled. I cant pay something I am unaware of. I paid what we worked out in full weeks after I was advised by my credit monitoring because they sent me to collections with zero chance of resolving. No correspondence of any was sent until after they sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I was in a mortgage forbearance in the start of the pandemic XXXX of 2020. Their should have not report me late in XXXX of 2020 because of the forbearance. This really effects my credit score, I asked them about it about it but there was a miscommunication with the representative and the forbearance program was not added / removed. Since then I got into a mortgage modification. I was understanding that the past lates where going to be removed when agreeing to the modification. Since starting the trial program and entering the mortgage modification I have been on time with all my payments. I hope they can help me removing the latest.

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 2021-05-27 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: PA

Complaint narrative:
There are multiple accounts on my report that do not belong to me

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 2021-05-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are multiple accounts on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed several disputes with EXPERIAN, XXXX, an XXXX  and I have received no answers.

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
Dear 'Better ' ( XXXX ) Mortgage Company, I see that you have changed my closing date again! You show on my 'overview ' that the close will not happen now until at least XX/XX/XXXX. 

XXXX XXXX told me that my close date of XX/XX/XXXX " WOULD BE NO PROBLEM ''! I 'locked ' for 30 days because " that would be no problem '' she said. 

Better is purposely delaying processing and every day asking for just a little bit more information. So now, guess what, I will need a new lock. What will the new lock rate be? WHATEVER YOU SCAMMERS WANT? WHENEVER THE INTEREST RATES GO UP? FORGET IT! I HAVE BEEN SENDING YOU MORE INFORMATION EVERY DAY FOR THE PAST TWO WEEKS. I AM SICK OF THIS! THIS IS A SCAM! Luckily I am not in need of a new house like other poor people you scam. 

I have never had so much trouble getting a mortgage before - and I have had many in my life. Most banks get the information they need themselves. I'm doing all your work. 

PLEASE EXTEND MY LOCK PERIOD 'UNTIL CLOSE ' OR ADD ANOTHER 30 DAYS TO MY LOCK AND RE-ISSUE MY 'BETTER ' ( XXXX ) LOAN ESTIMATE!!!!!!!!!!!!!!!! 

I am resuming shopping for a mortgage with other banks. Keep your {$550.00} and merry XXXX! 

I will let you know if I decide to NOT accept your loan contract. 

Please send me a copy of your " appraisal '' whenever you look it up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My capital one cards are all paid off and I go into the XXXX app and it says I owe XXXX $ and another account idk I owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want this incorrect information removed from my credit report. A collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, 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 explanation
Consumer complaint received 2021-05-27 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed several disputes with XXXX, XXXX, an TRANSUNION and I have received no answers.

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 2021-05-27 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed several disputes with XXXX, EQUIFAX, an XXXX  and I have received no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
They reported a loan payment as late when it was actually paid up ahead, it caused my credit score to go down 60+ points. It was fixed on the consumers report but not mine. I am a co-signer of this loan and the company never even contacted me in regards to the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This all started by calling Bank of America in order to get my Car Title, at this time it was still financed. I told the agent I was expecting a new baby within a few weeks and needed a copy of my title to register my car in time so I had a car to drive around in. I was told in order to get a copy of my title it would take 8-12 weeks. I told the agent this was not acceptable and as this is my only car. I was then told in order to receive my title within a few weeks even possibly a few days I would have to pay off my entire balance, XXXX. Acting in full reliance of the agent and expressing the necessity of the situation and any other alternatives, I was told this was the only way, so I paid the money. 2 weeks go by and I call them to find out they sent the title to the wrong state and I nor my state has a copy. I am then reassured that even though this is the case I would still receive a paper title in the mail. Another 2 weeks go by before I call again and am told that Bank of America will resolve this and send me what I need to register my car. A week goes by and I am told I should have received something in the mail and if I hadn't it is not Bank of America 's concern since the title has already been sent and I had to wait for the documentation. After calling the state that it allegedly went to they do not have a copy of my title nor does my home state. Bank of America refuses to help me after using dishonest statements to collect a debt ( FDCPA breach ) and has taken barely any steps to address the situation. Further, Bank of America more or less did a " bait and switch '' telling me one a great opportunity to get my title quickly in time so I can take care of my newborn but actually taking my money and leaving me without a title or recourse. This practice caused substantial harm to me as an individual and is likely to cause future substantial injuries to consumers, this harm is not reasonably avoidable since I can not control which state my title goes to, this injury is not offset by other benefits consumers may receive, and it takes unfair advantage of the reasonable reliance expected of a lender to act in the interests of a consumer. This is a UDAAP violation as an unfair practice to collect a debt. I am currently left with no title, no idea where my title is, both my home state and alledged state having no idea where it is. Do not trust this lender, do not trust their collection practices, they will utilize their position to take predatory advantage of their consumers.

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 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX  XXXX XXXX have not validate the alleged debt. 
Did not provide HIPPA signed document. 
Sold unvalidated debt to the other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
First they held up a XXXX deposit for money that was owned me. second when I went to transfer some of the money to one of my other accounts. they did not do it. This is a transfer to account that is mine and I have done 25 times since XX/XX/2020. I did the transfer at XXXX XXXX by XXXX it still wasn't done. I called and talked to XXXX and he transferred me to XXXX. Who placed notes and said he didn't know why the transfer didn't go through. Then he said it would go through in a few minuets. I waited until XXXX called back because the transfer did not go through. I talked to XXXX. that is what she said her name was. She transferred me to XXXX. who looked at the account and said everything I said was noted on my account. then he said it would transfer now in the morning. I asked to speak to a supervisor. I was on the phone holding for 30 mins and no supervisor came on the phone. I hung up and then I went to pay some bills online, There was a problem with my card, I then got a email saying my transfer was canceled and that I needed to go online and look at a secured message from chase. When I went to log on my online was blocked and there was a number saying to call XXXX. I called and the recording now says they are closed. They are profiling me and using words to XXXX to me and if they did it so easily to me that means they have done it to others. This is not customer service. when a customer has to call several times and they don't tell the truth. I have been profiled because of the money I have in the account. If I had a XXXX dollars in there they would have taken care of the problem immediately. That is not treating customers the same. That is selective customer servicing. You can pull up the recording of our conversations but I bet they will say, we don't always record every call. With that they are now lying on the phone to all customers. This better not touch my credit I've worked hard to keep in good standings. This is not fair in any way!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
On XX/XX/2021, I was informed by XXXX XXXXXXXX that Equifax is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. Equifax supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services have not validate the alleged debt. 
Did not provide HIPPA signed document. 
Sold unvalidated debt to the other collection agency.

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 2021-05-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I want this incorrect information removed from my credit report. A collections from LVNV/Resurgent Capital Services, XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: OH

Complaint narrative:
I have sent several letters to Transunion, XXXX, and XXXX  in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.

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 2021-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I was informed by capital one that XXXX  is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. XXXX supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NY

Complaint narrative:
I noticed an item on my credit report that does not belong to me

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 2021-05-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed an item on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: OH

Complaint narrative:
I have sent several letters to XXXX, XXXX, and Equifax in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: OH

Complaint narrative:
I have sent several letters to XXXX, Experian, and XXXX  in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.

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