vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.

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 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
i purchased a XXXX XXXX from my ( soon to be ex ) husband for the amount of loan of XXXX from navy federal credit union. NFCU release the tile back to him and he has disappeared with the truck and money. he removed XXXX from my personal checking account and NFCU told me to get a lawyer it is a civil matter. i paid for the truck and they refuse to give the tile and the ohio DMV shows my husband is still the owner of the truck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 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: Fay Servicing, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed an error on EquifaxXXXX report its been over 2 months no results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been attempting to work with XXXX XXXX regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been attempting to work with XXXX XXXXl regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

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 2017-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I spoke to a collector there by the name of XXXX on XXXX-2017 at XXXX XXXX at ( XXXX ) XXXX in regards to account collector did not give mini miranda at begining of call was very rude i told her account was to be removed from my report it was not a valid debt apartment was full of roaches and complex let me leave with no fees owed. XXXX said she did not care she was going to garnish my wages with no valid judgement and keep reporting account another 7 years then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We continue to receive in written form contradictory threats and actions both confirming our payments and compliance and denying such! Hence this bank now advises they are initiating foreclosure on a "missed" payment that was actually in the bank at XXXX XXXX  XX/XX/2017 as confirmed by the US Postal Service! Furthermore their own Disaster Forbearance dept.acknowledges the prior payment errors. Confirming information sent to the OCC and them for this purpose We find their actions alarming and no excuse that one department does not know what the other is doing. This is perceived as a deliberate attempt to secure a rewrite of the mortgage and place better terms more favorable to the upon us, or foreclose to take the home when we are by fact UP to Date!. We are at the mercy of either incapable people or plain frauds? They have been paid according to the initial agreement as defined and THEY have altered the repayment days themselves. All of this in writing and on their letterhead which I am holding for legal review if required.  You can certainly request copies of all correspondence! Copies if all payment's sent to the USbank Disaster Team and the OCC with documentation of delivery receipt and posting!

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 2017-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an auto loan for my XXXX XXXX from XXXX XXXX in XXXX. Shortly after I became XXXX and was subsequently diagnosed with a severe, XXXX and XXXX XXXX disorder. I quickly found out that I would not be able to work and our finances would be completely devastated due to my husband also being unable to work as I needed XXXX care. In anticipation of our financial issues I called all of the companies that we had outstanding balances with, including Capital One, notified them of the situation and worked out an extension due to the financial hardship. All of the companies, including XXXX XXXX XXXX, were able to assist. However, when I called Capital One, I was told by a representative that there was absolutely no way to temporarily suspend or reduce my payments without first letting them become more than 30 days past due! I had never heard this before but due to my extreme sickness and our desperation I trusted Capital One not realizing that my credit would be negatively effected. We 've since been trying to recover from the financial strain and had two 30 day late payments in XXXX and XXXX XXXX thinking that we would then be able to work with Capital One to enter into a payment plan or extension. To our absolute horror we realized that they were actually reporting negatively on our credit report despite being told in no uncertain terms there was no payment extension/hardship options available without first letting our payment enter into 30 days or more late payment status. I recently found on their website that Capital One DOES offer hardship assistance ( as evidenced here : https : //www.capitalone.com/XXXX ) but we were lied to and now our credit is destroyed. We have been denied for housing at least 10 times due to solely to the negative tradeline and are at risk of being homeless because of Capital One 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Yesterday eveningXX/XX/XXXX, I submitted a pre-qualification application via their " Structure a Deal '' option which states " Skip paperwork! Save time at the dealership by doing the work from home! '' for a XXXX XXXX ( XXXX XXXX # XXXX ). Per the website ( XXXX ) a pre-qualification will not affect credit reporting- instead it would give me a rough estimate of my payment, with no consent to run my credit. Today,XX/XX/XXXX I drove to the dealership with the anticipation of purchasing the vehicle mentioned above. The dealership opened at XXXX EST and I arrived around XXXX EST. While in the dealership waiting for a sales representative, I receive a call from a XXXX at the dealership telling me that the vehicle ( mentioned above ) was sold yesterday, XX/XX/XXXX After receiving a second confirmation ( from XXXX ) that the vehicle was sold, I informed that the pre-qualification application is null and void since the vehicle was no longer available. Both of the gentleman informed me, since the vehicle was sold, it would not be processed and my credit would not be affected. After receiving verbal confirmation and email confirmation that my credit report will not be accessed nor would I get an inquiry, I get an email from my Credit Monitoring company at XXXX EST stating my credit report was accessed. This dealership was well aware that the vehicle was sold and accessed my credit report without my knowledge! I tried contacting the dealership on several occasions after receiving the alert and they continued to disconnect the phone on me. This is bad business and if this does n't get resolved within the next 2 business days, I will be contacting the BBB and filing a legal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C, Section 1681. This inquiry needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I volunteered to give my XXXX XXXX XXXX to Ally Financial in the year XX/XX/XXXX, however, the amount on my credit report from the company is the entire amount I paid for the vehicle. Ally arranged a tow truck to pick up the vehicle from the XXXX Dealership while it was being repaired. When I called the company to inquire about the amount added to my credit, the company can not find any information that I had an account there or owe any money to them. I have been trying for 2.5 years to resolve this matter and no response.

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 2017-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal has three accounts with my name and telephone number. 
One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. 

I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My tax refund of {$3200.00} was sent to my bluebird ( American express ) account on the XX/XX/XXXX. OnXX/XX/XXXX I went online to check my account as it had been a while since I had looked at it. Upon viewing my account I saw that I had a balance of XXXX. Someone had fraudulently accessed my account and drained it to nothing. I looked in my wallet and my card was missing. I 'm unsure when or where it was stolen from me. The charhes occurred a couple weeks before I called in to file the unauthorized charges. I dis n't realize that it was even missing. It is quite previlant that it was misconduct being the money had been sithing in there for months and all of a sudden all of the money is gone in 2 days time. So o theXX/XX/XXXX I filed the dispute for {$3200.00} in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the cusomer. TheXX/XX/XXXX was the 10th day. I called in and they said they have not heard back from the fraud department and they could only send an email as they do n't have telephones. I said to them It is a government mandated law that I recieve prprovisional credit as the 10 days is up. They said the ca n't do anything but send an email and the would receive a response within 24-48 hours. I had no choice but to say ok and comply. 2 days later still no update so in call back. They tell me they have still heard no word from the fraud department. I ask for a supervisor, I wait 1 hour and they finally come on the.line. I ask them it 's been 48 hours and I 've been very patient. How is this ok that American express does not follow the law that is set fourth. She does n't say a word. Just keeps repeating about sending another email. Which I reply we tried the email already it did n't work. I repeat again, how is this ok that you guys do not follow the law. I should have been issued provisional credit 3 days ago. They tell me yes you did get the.form turned in in time before the 10 day period and you should have got the provisional credit. So I 'm just so baffled at this point. I try to ask her what the next step wpuld be and she hangs up on me. I call back and ask for a supervisor again and they tell me. All supervisors are busy assisting customers we can have them call you back. What is a good callback number. I give them my number. I never get a call back. The next day XX/XX/XXXX. Which is toda in call yet again, I get the same exact responses, all we can do is email the fraud department again. I 'm so frustrated at this point I do n't know what to do. How can they get away with breaking U.S LAW like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase will not allow me access to my funds, they will not respond in any manner whatsoever. I have attempted multiple times to contact them even going as far as having a friend who has the CEO XXXX XXXX 's personal email reach out in an attempt to get access to my money. XXXX XXXX actually responded and ensured my issue would be escalated, however, noting ever transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I Applied for HELOC With BoA on XX/XX/XXXX Submit all the documentation My credit score was aceptable by the bank guidelines. The House has a positive equity. Application number # XXXX value {$380000.00} requests amount {$65000.00} Initial advance at closing {$35000.00}. I was contacted by XXXX XXXX at XXXX XXXX XXXX XXXX. on XX/XX/XXXX I was told that the bank ca n't borrow the {$65.00} K only $ XXXX ask why he said that value of the house $ XXXX, Finally I said Ok I accept that amount, Follow the conversation he contact me with closing team comferance call with a closing team for the loan. She read the disclouser HELOC amount interest rate for 12 months discount and after that increase around 1.25 % more. I was agree with everything she said to me. We all three said good bye on Agree. TKS. 

Next day I received a phone call from the angry Laddy at the HELOC department that my Loan was denied. I Was shock and upset by the decision .I ask what happen I was agree on everything with closing team. She said that underwriter person decided not to go with the loan. I spoke with underwriter and he apology several time, The apology is nothing to me I need the fund. 

I asking the bank to review the underwriter decisicion. They first appoved the loan and latter day they denied.

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 2017-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing 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 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I am a victim of fraud from this company. They have made a report on my credit report file. I am unaware and did not open any accounts. This has caused my credit scores to drastically fall. This is a scam company collecting fraudlent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
This amount went from being XXXX to XXXX and is now XXXX and I never owed them a dime I gave them a XXXX dollar cash deposit.

Company response to consumer: Closed with explanation