vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
I submitted a dispute with State Farm Bank and the CFPB closed the complaint when the company did not resolve the issue nor address the issue at hand. State Farm simply denied looking into my request and stated that there was no issue. If you search under State Farm Bank complaints online you'll find no less than 1000 complaints of similar nature to mine. This has greatly affected my credit and my ability to get good loan terms. The next step will be law suits against State Farm and the involved Credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I am requesting the assistance of CFPB for this ongoing matter with Patenaude & Felix ( P & F ). I have sent them emails requesting a clear understanding of the offer terms. To recap, I received an offer letter for a final and one-time payment of {$2200.00} with a deadline of XX/XX/XXXX. However, the terms of the offer were not clear. 

P & F has refused to reply to my emails or phone calls and did not send any other notifications to me, all though they claim they did. The office manager at the escrow company ( who was to fund the offer money ) has confirmed that she, too, received no notification or return calls, in regards to requesting an extension of time past XX/XX/XXXX. Later, PF produced and submitted a copy of the letter of extension to XX/XX/XXXX to CFPB that they claimed to have sent to everyone involved, yet no one received it. and they sent pages of correspondence to CFPBthat no one seems to have, with no proof of delivery to me or the escrow company. Nevertheless, I sent a cashier check of {$2200.00} prior to the first deadline ( XX/XX/XXXX ) since they refused to answer and demonstrated unethical practices that could not be trusted. 
. 
The issue of their terms still remains. The offer letter to escrow, dated XX/XX/XXXX, said the satisfaction of judgment would be sent once the " total balance '' is received. The " amount due and owing '' is {$2200.00} as stated in that letter. But, in another letter to me, dated XX/XX/XXXX it says the satisfaction of judgment would be sent, upon receipt of the " balance owed ''. According to the letter, the balance owed showed {$11000.00} and the " settlement amount was {$2200.00}. '' This left me to believe that {$11000.00} must be paid in order to qualify as a Satisfaction of Judgement. 
Since I could not get clarity from P & F, and the deadline of XX/XX/XXXX was fast approaching, a cashier check for {$2200.00} with " paid in full '' in the memo line was delivered to them on XX/XX/XXXX. Later, the check was returned to me due to the memo line message. Hence, we are back to the beginning with no direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
They wont let me close my account after I have contacted them about identity theft. They said, my replacement cards were sent out without my actual consent and then it was sent to someone elses address. Charges on my card were not all mine. They never let me pay on my bill because I couldnt verify myself after my information was changed? I just want my account fixed and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am asking for this debt to be removed for a number of reasons. I was never given the right to dispute the validity of this debt. Even though I wasn't given that right to dispute the debt, I have paid the debt in full, the creditor promised a XXXX balance letter which i have not received and the debt is still showing recent and repeated derogatory reporting 's to date. As a result, I would like this matter to be investigated and removed from all credit reporting bureaus immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX my bill did not go through TOYOTA MOTOR CREDIT CORP - account with 1 missed payment. I am kindly requesting TOYOTA MOTOR CREDIT CORP to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Hello. 

I was not able to refund some merchandise back in AZ in XXXX when COVID worsened. The merchandise has tags, and not worn. Plus, I had receipt but the manager would not accept my return. I was trying to close my account but couldnt until I was able to payoff the debt by returning the merchandise that I didnt want no more. Also, they said they would removed the {$200.00} in fees they assessed durning COVID. I was told I would be enrolled into a COVID program but then I wasnt. I had spoke to a higher up representative at XXXX and he returned my {$200.00} fees but now they have been reversed. I just want my account closed and at {$0.00} balance as I was promised in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I received an alert that One Main Financial placed a hard inquiry on my credit report on XX/XX/2021 for a personal loan inquiry which someone tried to fraudulently obtain in my name. I contacted their customer service department as well as their fraud department. I advised them that I am the victim of identity theft and that I did not apply for any loan with their company. They said the loan did not go through for the {$20000.00} that the individual attempted and that they would make sure to note this. The next morning, today XX/XX/2021, I got another alert from XXXX, that there is a second inquiry from One Main Financial on my credit report. I have tried calling their company twice now today and no one answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was sneakily billed for their monthly service in spite of never signing up for it. Never gave them my credit card information. Also, never ever received an email confirming that I was subscribed to their monthly service, nor an email ever that monthly charges for the past 5 months are being levied on my account for my services. Very shady.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I Check my credit and i notice that there are Accounts that I did not give any Consent to I need information On How this was allowed to Happen I need this off my personal Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2288984 Ontario Inc.
State: VA

Complaint narrative:
I received a voicemail from " XXXX '' from XXXX, XXXX XXXX XXXX on XX/XX/XXXX from XXXX stating they needed a call back about paperwork with my name and social security number for an investigation they are conducting. The message went on to say that they needed to hear from me by the end of the day so they can notate my cooperation. I called them back and the first phone call I placed - no one came to the phone but sat in the background saying " they aren't going to put up with this XXXX. '' I hung up and called back and spoke with a representative who told me the debt they are collecting for is from Money Key and they will move forward with litigation ( not verbatim ) and stated, " you can't just take out a loan and not pay it back '' when I told him I've never had a loan from Money Key. I asked to speak to a supervisor. The supervisor " XXXX XXXX '' gets on the phone and when I asked for validation of the debt - he said it originated in XXXX and called Money Key on conference call. Money Key refused to verify any information and the supervisor didn't even attempt to identify himself as a 3rd party as he did with me. Once Money Key, I asked why the debt wasn't on my credit report and he said because they haven't moved forward with legal action yet. I asked why Money Key wouldn't have reported it delinquent. He stated I would have to take that up with Money Key. I called Money Key on my own and they confirmed by my social security number that they have never issued a loan to me and do not have any products or agencies in Virginia ( where I reside ). I called XXXX, XXXXXXXX XXXX XXXX back and requested they remove my work phone number from their records and the representative responded stating he would document my refusal to pay and hung up on me. I called back and " XXXX XXXX '' was back on the line but did not identify himself by first and last name ... it was just the same voice as the previous call. I asked if my number had been marked as no calls at work and he stated " No '' and proceeded to tell me I should be ashamed of myself for borrowing money and not paying it back. I used unsavory language and terminated the call. I immediately received a return phone call ( on the work phone that I requested NOT to be called ) from " XXXX XXXX '' or his voice at least - from a restricted number and he proceeded to tell me he would be delivering a court summons to my JOB and my house and they intend to move forward with their lawsuit. I may have responded but I can't recall. I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2021, received message from Trans Union Credit, that my credit file just received a credit inquiry and I knew it was not me. 
The inquiry came from XXXX, phone XXXX, after about 30 minutes of going thru all different departments, I was told to ask for a CUSTOMER CARE AGENT, explained to them and they sent me to their INVESTAGATION DEPARTMENT, I spoke to a man named XXXX, he took all my info. and agreed with me that my inquiry was from a fraudulent individual. XXXX told me they would send a message to TRANS UNION, telling them that they are DELETING their credit inquiry, and ask that Trans Union likewise remove the inquiry from my report As of todays date XXXX XXXX, 2021, TransUnion has not received word from 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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SIMM Associates, Inc.
State: AZ

Complaint narrative:
1. Daily/weekly phone calls even late in the evening. 
2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed. 
4. Unable to be contacted by phone unless they call you. 
5. Shame on you. XXXX sees all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Complaining about Loan Depot Mortgages, Never got a delinquency letter from the company! Eventhough I had it all set up on my end for payment. 

Poorly handled by previous agent. When I started my refinance with Loan Depot from Other mortgage company on XX/XX/20. I have set up an autopay assuming it will be automatically deducted from my bank.

On XX/XX/2020 I got a message from Loan Depot through email about late payment and deregatory mark was immediately was reported to my credit bureau. I immediately called LOAN Depot regarding my concern. After speaking with customer service agent adviced for me to ignore the messages about the non payment as she can see that I already have the payment drafted in her system and that it should go through anytime. 

Long story short : the payment was never deducted even though i had set it up and funds are ready. i have never received any delinquent letter from Loan Depot! 

Called loan depot again and spoke to these agents : According to their Agent XXXX AGNT NUMBER XXXX And Agent named XXXX agent number XXXX There was a-glitch in their system. They informed me that they will move forward with this and retract the bad report on my credit. Unfortunately they never did. 

I have wrote them multiple email and faxes! Unfortunately no response. 

My credit went from XXXX to XXXX! 
I have been always meticulous with my credit and this is what I get after refinancing with Loan Depot. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX XXXX my husband and I took out a mortgage with XXXX  XXXX  XXXX. Two years later we refinanced the loan with XXXX XXXX  which was sold to XXXX XXXX XXXX  which was sold To Wachovia bank. To make a long story short XXXX  never released the original mortgage lien. We did not have knowledge of this lien until we sold our house 3 years ago and to our shock was informed of it.Obviously the sale of our house fell through. Not only have we paid our mortgage but we have paid thousands of dollars in interest over all these years. XXXX has been out of business for 28 years we feel XXXX XXXX  was responsible for making shure this lien was released therefore shouldnt Wachovia be responsible? We would appreciate any help you can assist us with as this has been terrible XXXX  we are blameless in.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a fraudulent item being placed upon my credit report from XXXX/XXXX  that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and Transunion are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX and Transunion under Section 609 FCRA.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a fraudulent item being placed upon my credit report from XXXX/XXXX   that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, Equifax and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, Equifax and XXXX  under Section 609 FCRA.

Company response to consumer: Closed with explanation