vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.

Complaint narrative:
I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.

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 2021-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
2018 contacted the company to inform them that the vehicle had stopped working andI I wasnt responsible for the amount owed on this car I explained that I was just the co-signer this was not my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
first horizon bank is not keeping proper records of transactions and a deposit hold that they have placed on my account. the 2 monthly statements i have do not reflect the actual ongoing situation which is that my available balance has not matched my actual balance for 39 days now. they are unresponsive to my requests to close my account. they are cancelling scheduled payments and transfers without recording their actions in the permanent bank account statements or transaction record. this lack of the usual level of banking recordkeeping practice makes me concerned that their actions are more extra judicial than merely holding a deposit beyond the legally established time limits. they also tell me that there is no internal bank oversight that i can appeal to. they have other courses of action that they can take other than to avoid permanently recording evidence of an improperly extended deposit hold. if they corrected the error in my available balance by updating it to match the current balance today, there would be no evidence of a 39 day inability to use the funds in my account in the official account statements. and thats not right. they are doing this to perhaps thousands of customers who they say received business payments into personal accounts. i was told that some of these situations have duration of over a year. perhaps that was meant to discourage me. or to encourage my submission of this complaint. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has been reporting late payments inaccurately on my consumer report. I have reached out to capital one on multiple occasions for a remedy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Had XXXX XXXX XXXX pay these Rat Bastards Off, Acceptance Automotive Corporation {$15000.00}, so I instructed XXXX at the XXXX GA XXXXcceptance Automotive office to send me a copy of my Pay-off so I could give it to my Mortgage Processor & Underwriter, for some apparent Reason this must have kick in that XXXX  XXXX  mind set, and to-date I Not received Pay-off documents from her XXXX, nor Acceptance Automotive Corporation as if they are Stopping me. Side Note : Ive spoken with the Georgia Motor Vehicle, Title issue Ok, also Im reaching out to the US AGs office Protection of Senior, and the Georgia Governors office of Consumer Affairs. I like Advocating and Winning. The only thing thats Stopping me is Me, Im Winning $ $ $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a credit transaction, using my credit card to extend myself credit using navy federal credit union, as defined by the truth in lending act pursuant of 15 USC, chapter 41 subchapter 1.

They process the transaction using my credit and denied me the extension of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
My husband and I are both co-signers for an XXXX  son XXXX XXXX XXXX ( XX/XX/1998 ) on several student loans, ending in XXXX and XXXX, all totaling about {$75000.00}. Early last year, that child got XXXX  and kicked out of college on XXXX  and XXXX  charges on his girlfriend. We then paid his student loans as they came due because he no longer was attending college. 
He is now in XXXX  awaiting trial and sentencing for XXXX, involuntary deviate XXXX XXXX and many other XXXX charges against my XXXX  XXXX  daughter. We contacted Sallie Mae and apprised them of the situation and let them know that paying the $ XXXX on his student loans monthly was not only impossible financially but ethically something that was a betrayal to what is honest and fair, as these crimes were committed in my home a few years before my son left for college.

I asked the process for my husband and myself to be retracted as cosigners for these loans and was told no such thing exists and that we were responsible for the loans and would be taken down the road of collections as long as we continued not to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 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: MD

Complaint narrative:
My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous 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 2021-07-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous 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 2021-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
Requested rate online for refi of mortgage with couple of online lenders. Received email followed by phone call from Better.com and XXXX XXXX, loan originator. I was told in writing and in phone call because of the 60 % XXXX I estimated and 50 % XXXX XXXX estimated and my excellent credit I was pre approved. 
I made it clear numerous time I was not prepared to move forward yet as I had to leave town in few days to help with family having major XXXX XXXX and would not have access to records of multiple properties I owned. XXXX however assured me repeatedly there were only couple things needed to do online. After answering few questions online and becoming concerned that this was not a no doc or low doc mortgage, the next tasks on website were locking in mortgage and paying for appraisal. I asked her if appraiser needed inside and she didnt know. I told her if he or she did to tell them it would be few weeks. I also asked if I was going to be asked for tax returns as I would need to scan the 50 or 60 pages before leaving town. 
The appraiser called few hours after I paid appraisal fee and was told nothing. The tasks continued to pour in day after day with XXXX and her assistant refusing to take any responsibility for the misleading pre approval and other statements the were fully aware were misleading. The document I did provide with explanations were repeadetly rejected because pertinent information was never conveyed to underwriting. I repeadetly explained for example many properties were paid for but they continued the website continued to request loan papers. 2 properties that are on one insurance policy were repeadetly submitted with explanation to XXXX, her assistant and her team yet they would simply load to website and then tell me they were rejected because address was wrong. 
This repeated deceptive pre approval and ignoring everything I have said since day one including income on application says XXXX when XXXX, mortgage listed twice ect were of no concern to them. All they wanted were task completed which must be 30 or 40 items and website that is horrible for self employed or landlords. They have now insisted my application may be rejected for being incomplete. They accept no responsibility for sucking me into process that I repeadetly told them would be difficult with only cell phone that must be off most all day and records XXXX miles away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: KS

Complaint narrative:
Enhanced Recovery Company reported an alleged debt to the credit bureaus on XX/XX/2021 without first sending a debt validation letter to me, which violated my rights under FDCPA Section 809 ( a ). This caused my credit score to drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I took out a flex loan from Citi through my double cash card. When I saw the payment due in the Citi app and looked at my payment options, there was an option to pay my XXXX statement balance plus the minimum for the flex loan. The description reads " This includes your monthly Flex Plan Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months. '' With that option, I paid {$1400.00} on XX/XX/XXXX, with the impression that would pay the minimum on the loan of {$72.00} and statement balance of {$1300.00}. 

I just reviewed my XXXX statement on XX/XX/XXXX and and my statement balance is now {$2000.00} even though I only charged {$740.00}. I called Citi and was told that my payments are applied to the highest interest balances first, which is my flex loan which has an APR of XXXX compared to my purchase APR which is a promo rate of XXXX. I was just planning to pay my statement in full with the minimum on the loan each month, but now my statement had snowballed into a larger amount that is not affordable.

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 2021-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Apple Card cant verify my identity through XXXX XXXX Ive talked with them through email and phone and get same results denial of the card due to identify verification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the second time I have entered a complaint with the CFPB about this issue. 

Equifax shows my maiden name instead of my married name on their three-bureau credit report. ( The other two credit bureaus show my correct name. ) Equifax refuses to correct their mistake. 

I have contacted Equifax by mail with documentation, on their website submitting documentation, and by phone talking to numerous persons. They " investigated '' my dispute then closed it, still refusing to correct their error. I contacted the CFPB in the hope you would assist in making them correct their error, but it appears my only option is to file a new complaint on this same issue. ( Is this what your agency is for? A place to complain, but it takes no real action to assist? ) Anyway, today ( XXXX ) I attempted to refile the dispute on the Equifax website. The site would not upload ANY of my documents that show proof of identity. 

Is the CFPB going to help me this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express Placed bogus fees and then withdraw unauthorized funds from the Auto pay of my Financial Institution. ( They double collected {$1200.00} twice, at first they claimed that I had it arranged but then they demanded it forcibly, brutally, with uncivilized manner and language ). They took away all My bonus points. Made my account unusable and are using Defaming practices! I am still fully current with all their deceptive and defaming plans. 
Then they complained that I did not pay them enough. 
Am Express XXXX XXXX XXXX Account Never been tardy since its creation in 1988!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I was approved for a mortgage forbearance, due to XXXX, from XXXX, XXXX through XXXX, XXXX. I sold the property in XXXX, XXXX. In XXXX, XXXX LoanCare reported to XXXX my mortgage as being 120+ days delinquent. I am in contract to purchase another property and this inaccurate delinquency on my XXXX  credit report is preventing me from obtaining a mortgage commitment. LoanCare 's response has been inadequate. I need this issue resolved immediately or I risk my current contract becoming null and void if I do not obtain a mortgage commitment by XX/XX/XXXX. LoanCare should have never reported my previous mortgage as being delinquent.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report my name wrong on my credit report. Per the Fair Credit Reporting Act, Experian must report ALL my information 100 % accurately. Failure to do so will result in a violation. Attached is my government identity and should not report any other names on my credit file other than on this ID. Also I have attached a bank statement with identical information. Experian : PLEASE UPDATE YOUR RECORDS TO REFLECT THIS INFORMATION IMMEDIATELY!

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 2021-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am the wife of a military XXXX and the loan was approved/provided without knowledge. Not sure how. But can this be removed/ resolved. 

NCA Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
I previously had a loan with freedom plus.com when I was a company employee is employee for Is the trucking company I worked for. I recently paid the loan off early Under the self employment that I currently have now. I went to freedom plus.com to inquire about a another Loan and they're refusing me for debt to income ratio for the tax year 2020. Being that I didn't have enough time in self employed they're refusing me for a XXXX. They have also made a hard inquiry on credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is respond recieved after requesting for services the services are complete and was mistreated in the office We have received your request and reviewed your claim. 
Your claim is : Claim # : XXXX Claim Status : closed Additional information ( if applicable ) : Your claim was not approved because merchant supplies compelling evidence or justification that disputed transaction is valid. You would have to dispute transaction with merchant directly If you have any further questions please don't hesitate to reach out to us.

Thank you for choosing Chase.

Sincerely, The Retail Claims Team

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation