vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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: CA

Complaint narrative:
On XX/XX/19I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, XXXX, XXXX  and Trans Union on XX/XX/19and I confirmed all three bureaus received them on : XXXX  Tracking : XXXX Delivered XX/XX/XXXX, Trans Union Tracking : XXXX Delivered XX/XX/19and XXXX  tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.

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 2019-07-10 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: CA

Complaint narrative:
On XX/XX/19 I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the XXXX XXXX XXXX  as well. I sent all three letters and their contents to all credit bureaus, XXXX, Equifax and XXXX XXXX onXX/XX/19and I confirmed all three bureaus received them on : XXXX   Tracking : XXXX DeliveredXX/XX/19 XXXX XXXX Tracking : XXXX Delivered XX/XX/19and Equifax tracking : XXXX XXXX  delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is nowXX/XX/19( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
1 ) Withholding available credit for purchase. I made a payment of {$1500.00} to my citi double cash card on XX/XX/2019. It was posted on my bank account on XX/XX/2019. However, Citibank chose to withhold {$1500.00} from available credit as if XXXX XXXX is a fraud. When I contacted the credit card via chat, I was told the Hold will be removed on XX/XX/XXXX. It is the end of XX/XX/XXXX, the " Hold '' is still there. The total credit limit is {$8000.00}, I have XXXX balance on the credit card with less than {$1800.00} pending purchase, I only have {$460.00} available credit for purchase. there are must be something wrong here. Citi bank only told me it is policy. 
2 ) lack of tools for effective communication. Other banks such as XXXX XXXX, XXXX  XXXX XXXX offering secure message center. I can just send questions about my credit cards and bank accounts, they respond within 24 hours. It is very convenient and effective. At Citi, there is no way for me to send message. I can only view documents at message center. I don't understand why. I used Chat twice, it is not effective. I have to wait 12 minutes to have a customer rep to chat with me. That person did not know much to help.

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 2019-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending
State: SC

Complaint narrative:
Hi. I already filed a complaint, which has the following complaint number because it was supposed to have been " resolved '' by a prior complaint here, and OpenRoad Lending was supposed to send me a {$120.00} gift card to reimburse me for financial loses due to finance charges paid on a loan they forgot to fund. I got the gift card today and activated it and they " FORGOT '' to FUND THE CARD! So they forgot to fund my car loan, making me late with my original lender and costing me daily finance charges for 10 days to pay two car loans from two lenders on one car. And they rectified that by forgetting to fund the gift card to reimburse the 10 days of finance charges that they charged me for a loan I never had because they forgot to fund it. Is such a coincidence even possibly accidental? Here is my original complaint, which I reassert since it is entirely unresolved by this {$0.00} balance, UNFUNDED, gift card. XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lincoln Educational Services Corporation
State: MA

Complaint narrative:
I'm receiving calls, 2-3 per day, by a schools collection department ; which, to this date, has never mailed me a 'Debt Validation Letter ' and is denying me my lawful right to dispute. Starting on XX/XX/2019, throughout the 8 hours prior of this XXXX-XXXX   & indigent man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me money I do not have and will never have ... ALLEGEDLY in the amount of $ 4,000+ for 12 classes. XXXX XXXX XXXX collection department has never identified themselves ; it was only until today, that they did identify themselves as the Schools debt collection agency. The only way I was actually able to FULLY identify the exact name myself was by running a reverse search on their ( various ) telephone numbers on XXXX. The filing of a lawsuit is currently under serious consideration, as legal counsel has been consulted ... as well as the authorities. In closing, I would also like to note that they have also called my rather ill, elderly mother, for that matter torturing her constantly beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On or about XXXX, I negotiated a mortgage contract with the Realtor in XXXX but the contract was written in XXXX & was told that the interest & monthly payments fixed. Later I negotiated a mortgage with a fixed interest rate & payments I can afford for the life of loan. 
On or about XXXX, I suffered multiple family, major health that caused severe financial hardships. I contacted XXXX ( servicer ) & informed them of the issues & they agreed on the terms of new modification & that the documents will be sent. Soon after Nationstar became the ( new servicer ) & even though they accepted my mortgage payments they have yet to send me the modification contract they agreed to & now in their foreclosure process in which a Trustee Sale maybe schedule at any day Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Knight & Hooper, PLLC
State: TN

Complaint narrative:
On XX/XX/2019 I sent XXXX XXXX and XXXX XXXX XXXX XXXX a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX 

On XX/XX/2019, I contacted XXXX XXXX Attorney who is representing them by the name Knight & Hooper. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at Knight and Hooper via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to XXXX XXXX requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at Knight and Hooper who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and XXXX XXXX have failed to send me the information requested pertaining to the repossession listed on 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 explanation
Consumer complaint received 2019-07-10 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: UT

Complaint narrative:
Ihavenotbeenprovidedwiththeoriginalcontractwithmysignedsignatureforaccount#XXXXXXXXXXXXXXXXXXXXproperlyverifyingthisaccount.Experianneedstoprovidethatdocumenttome.IftheycannotprovidethatdocumenttheymustdeletethisaccountimmediatelyforNon-VerifiedAccount.

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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One CC department and I have had on going issues throughout XX/XX/XXXX to current. With the ability to snoop cell phones, Capital One does have my phone on " tap '' and I don't know by whom. Over the past two months any online purchases/payments that I attempt to make have been rejected forcing me to go to the merchants. According to the " merchant sites '' my card is rejected. 
1st incident is with XXXX XXXX in XX/XX/XXXX when I attempted to make a payment online. Rejected. Forced to drive, using my gas and time in order to complete my payment. 
2nd incident is paying for gas. Rejected at the pump. I used the app, turned on the card. Card rejected again. Called the CS dept. They had to turn it on because the app malfunctioned. XX/XX/XXXX to JXX/XX/XXXX 3rd incident is purchasing my school book for college. Rejected by merchants site, which worked in XX/XX/XXXX, due to billing address is " XXXX XXXX XXXX and I was forced to take off wirk , drive 4 hours from XXXX to XXXX in order to purchase the required materials for college because suddenly my card isn't capable to function. 
I spoke to representatives all day XX/XX/XXXX regarding the issue, accepting their excuse of blame shifting the issue to the merchant. 
And this evening I reviewed my credit report, XXXX, and Capital One Credit Card company 1.  Closed my card account ( by report only ) 2. Made false dispute claims 3. Has the exact same card open status. The closed & open account are the same, and the online transactions are matching with the closed report that was reported to XX/XX/XXXX, which explains the rejected transactions, that 'Capital One ' claims they have no record of, " On their end. '' I'm tired of their games. And I'm not closing my accounts so they can force me to have lower credit scores due to credit history of account length of time. This is a strategic game of Credit Score Manipulation. Length of Time for credit cards are a factor in calculating a credit score. I've trusted the bank over the years until XX/XX/XXXX since I discovered they use the snooping apps to listen in on consumers phones. And since I've confronted these issues, they are retaliating and causing me to lose time, money, hours at work, embarrassing moments with merchants and always forcing me to speak with Customer Service in the XXXX. I always have to Request a Transfer to USA Representatives. Always! 
I'm at a point now where I can fight 100 %. Please help. I've done nothing to deserve this treatment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: IL

Complaint narrative:
IL state law does NOT allow credit reporting agencies to background check beyond 15 years. Nor does it allow reporting on offenses that occurred as a minor. 
Yet, www.chekr.com used a felony from 2003, a XXXX year old charge ( as a minor ) to bar me from employment, causing me to incur an indigent status. I AM XXXX living with family due to improper reporting. They EMBELLISH charges on your rap sheet without actually looking into each offense, to your prospective employer. I.E. If you pled no contest to say, a graffitti charge, vandalism, or any kind of damaging property charges, and you are trying to work for XXXX, they will report that graffiti charge to the Nth degree, even though, what could you vandalize while working out of your own car? Kinda like they don't want ANY criminals ( even the pettiest offender ) being hired EVER, forcing them BACK into a life of crime. 

Atop of that they are absolutely foul in their manners. A dispute to their reporting is almost disrespectful to them. I have never heard anyone get anything reversed from dispute. Pretty much, even if they do reverse the wrong info, the jobs already gone since it takes weeks for this trash entity to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union incorrectly listed a credit card balance o na XXXX XXXX. I filed a dipsute. Instead of fixing the error and updating my balance they erronesoulsy just DELETED the whole account from my credit file. That is totally incorrect response. Thjey need to ADD the XXXX Account BACK into my credit report and UPDATE the BALANCE on the account to XXXX ( XXXX ). The DATE TRANSUNION completed their investigation was XX/XX/2019. The amount disputed was XXXX Balance. The current balance is XXXX. 
I could not dispute their action online and I have not been able to get them to re-instate the account by phone.

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 2019-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2019 Equifax processed a credit inquiry from XXXX despite the fact that the other two CRAs marked the inquiry as obviously fraudulent. The information provided to Equifax was an accurate name, address and phone number but included a completely fraudulent 9 digit social security number, which Equifax made no effort to verify prior to processing the inquiry. On XX/XX/2019 I called Equifax and spent several hours on the phone, to let them know that the hard inquiry they had processed was fraudulent but they refused to acknowledge the fraudulence nor were they willing to remove the fraudulent hard inquiry from my credit report. This hard inquiry may have an adverse effect on my credit rating and was processed, against federal guidelines, using verifiably fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
After Wells Fargo closed my Time Account and stole the {$6500.00}, I called and closed my checking and saving accounts with 3 different agents. 
To NO surprise, the accounts have remained opened and they are allowing companies to withdraw from the account, thus creating negative balances. 
All this in retaliation of filing complaints against them for fraudulently raising the interest on a credit card without my knowledge AND closing the Time Account, thus pretending they need 90 days for find a so-called check they sent. 
These people are white collar criminals to the nth degree. 
Upon calling them tonight ( XX/XX/19), the Supervisor could not close the account because closing it has been prohibited ; so they can continue to charge fees.

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 2019-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019 I sent Credit Acceptance and XXXX XXXX XXXX Company a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX. 

On XX/XX/2019, I contacted Credit Acceptance Attorney who is representing them by the name XXXX XXXX XXXX. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at XXXX and XXXX via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to Credit Acceptance requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at XXXX and XXXX who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and Credit Acceptance have failed to send me the information requested pertaining to the repossession listed on 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 explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Lending, Inc.
State: CA

Complaint narrative:
I started a refi application of my primary residence with Premier lending inc, XXXX  CA XX/XX/XXXX, I submitted all requested docs and kept supplying all docs for 3 months, the last 6 weeks I have been waiting to draw docs and no answer to any of my questions, I honestly believe there is a discrimination against me, and there is malicious intention to delay the process but I can not identify the motive behind it This delay is causing me to force to sell a property that i would not have to sell otherwise My trial to resolve the delay was not successful as there was no answer to all my questions and emails and texts, i asked to speak to the CEO or the CFO but they have not responded I assumed that they are trying to stall fro funding as they are loan originators well but I Have a jumbo loan, and they only do the UW but not the funding, So I am Puzzled an don't know if i am contacting the right agency, PLease advice on where to report them so that their license can be revoked or suspended?

i have all docs requested and sent to be furnished upon request, and all email an dtext communications available upon request cpmany info XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address:XXXX XXXX XXXX XXXX XXXX   XXXX  CA XXXX Entity Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation