vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: SC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
This company is harassing me and wont take my calls to request for them to leave me alone, I dont know what is going on in Tennessee but they are desperately trying to scam people for money even here in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I bought a car with XXXX XXXX from XXXX XXXX. 

He told me that if I don't buy an extended car warranty for 10 years my interest rate will double He added {$1700.00} to my contact without my knowledge for life insurance He told me to have my monthly payment deducted from my Bank in order to save $ XXXX  monthly. Instead he signed my up for a SmartPlan that charges $ XXXX  monthly I went to see him. He said that he will cancel everything. Called him a thief. 

Called his manager-XXXX-and she told me not to judge him because I am not God. 



Please stop XXXX XXXX he has been doing it for 26 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I have been getting the run around with Cardinal Financial company and the title company that they use XXXX settlement services. one of the issues regarding closing on my refinance was, I was approved to close but no one would schedule the closing. I had to call numerous times to get an answer as to why it was not scheduled. everyone that reviewed my file could not understand why a date had not been set after 2 weeks of being approved. I was finally given a date to close on XX/XX/XXXX. I live in Texas and had to travel to another state to take care of my mother who is critically ill and was told I could close there only to find out I couldn't due to the laws of Texas so I was told. I had to make arrangements for my mother and purchase a airline ticket to close on XXXX XXXX. I was assured everything was finally in order and the close would definitely happen on the XXXX. I CALLED AGAIN RIGHT BEFORE HEADING TO AIRPORT TO MAKE SURE IT WAS STILL SET FOR THE XXXX. My XXXX was admitted to hospital and I had to catch my flight to make the closing. After I arrived in Texas I called to get the address of the title company because my closing was scheduled for XXXX XXXX XXXX it was XXXX XXXX  at this time. I received a call back from XXXX XXXX at Cardinal Financial that the title company did not have me on the schedule. It is XX/XX/XXXX and no one will speak with me. I was told that we could close on the Friday XX/XX/XXXX, however no one will speak with me and I am still not scheduled. There have been numerous problems with Cardinal Financial dropping the ball on my account and me having to constantly call to get answers. I still need to fly back to be with and care for my XXXX mother and have no answers. the title company claims they know nothing about it .Cardinal financial blames the title co for dropping the ball. I am thrown in the middle at their mercy and cant make arrangements to fly back as my mothers caregiver. I have not been treated fairly during this process and believe I am being discriminated against and given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, I contacted Affirm to dispute a transaction I made on XXXX XX/XX/XXXX. I purchased an item on XXXX for {$2400.00} and used Affirm to finance the purchase with three payments and zero interest. The purchase was defective and I contacted Affirm within their stated 60-day dispute policy. I received confirmation of their receipt of the dispute on XXXX XX/XX/XXXX. In that confirmation, they said it would take up to 90 days to resolve the dispute. Ninety days has now been exceeded and there has been no contact from Affirm and no resolution provided. 

I provided Affirm with digital and hard copies of all documentation in the original letter. I also informed them that the XXXX seller closed their account, possibly in order to avoid having to take the item back. To date, I have paid two payments of {$830.00} for a total of {$1600.00} and there is one remaining payment of {$760.00} that is on hold. Their website is not allowing me to make additional payments on this line and they have declined to provide additional lines of credit with the reason stated that I am late with a payment ( in fact, the final payment of this line is showing as overdue as of XXXX XX/XX/XXXX even though it was in dispute for over 30 days prior to the payment becoming due ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
XXXX XXXX referred me to Receivable Solutions for charges that were supposed to be paid by an Employee Assistance Program. I received a nasty call from Reveveabke Solutions demanding payment for a debt I do not owe. The representative told me I had to deal with Mercy if I think I did not owe the debt and would do nothing to even indicate that I did not owe what they were harassing me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group
State: MO

Complaint narrative:
On XX/XX/21 at XXXX am XXXX XXXX of Superlative RM contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me Superlative RM. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase has locked me out my account for weeks. Every time I contact support I get a form email. I have responded numerous times verifying the steps that allow my account to be reactivated. They are fraudulent holding my money and have no one for me to speak to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This involves ( 2 ) fraudulent collections that were placed on my XXXX Credit report and after on my Equifax report. XXXX notified Equifax on XX/XX/2021 that these accounts were fraudulent, and removed them. 

XXXX - I called and spoke to the fraud department ( so I thought ) and also asked to remove these collections as they were not mine. 

XX/XX/2021 - I called and they refused to remove the accounts and refused to give me proof that they were mine. 

XX/XX/2021 - A representative admitted that there was no response from XXXX XXXX XXXX on the collection disputes and said she had to resubmit the dispute - see attached. I asked for a supervisor. 

XX/XX/2021 - XXXX - employer ID XXXX a supervisor from Equifax has refused to transfer me to the fraud department. He also claims that there was a response and that it was mailed to me. But I never received anything via mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I GOT LETTERS STATING THAT BANK ACCOUNT WAS OPENED IN MY NAME AND ASKED ME TO SIGN AND MAIL BACK TO THEM. I HAVE NO BUSINESS RELATIONSHIP WITH SUCH ENTITY, NOR DID I DISCLOSE MY PERSONAL INFO TO THEM. 
I HAVE ATTEMPTED TO CONTACT FEW TIMES BUT THE HOLD TIMES EXENDED BEYOND XXXX MINUTES ON THEIR HOLD LINES. 

TODAY ( XX/XX/2021 ), I WAS ABLE TO SPEAK TO THEIR REPRESENTATIVES THAT CONFIRMED THE FOLLOWING : ACCOUNT OPENED IN MY NAME ON XX/XX/2021 WITHOUT MY PERMISSSION. 

IT SYSTEM WIDE ISSUE THAT BANK IS EXPERIENCING. HOWEVER, BANKER WAS NOT ABLE TO GET A HOLD OF THEIR INTERNAL FRAUD DEPARTMENT OR SHARE DETAILS OF THE BREACH. 

ATTACHED IS A LETTER ACKNOWLEDGING SUCH BREACH OR FRAUD.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several disputes to Equifax disputing the validity of this alleged debt from XXXX XXXX XXXX regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from XXXX XXXX XXXX regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with XXXX XXXX XXXX. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to XXXX XXXX XXXX regarding this discrepancy. Please see attached details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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.
State: CT

Complaint narrative:
IRS is reporting that there are blocks on my credit accounts, that they can not verify my cell phone number, that I am deceased, though no agencies have reported this and I called to remove the extended locks on my XXXX  accounts. I am unable to file federal taxes or receive my stimulus payments. Furthermore, when updating my cell phone data with experian, hoping the irs would pick it up, I IMMEDIATELY began receiving XXXX spam text messages. This happened within minutes of the update, so experian is not selling the information, it should be considered a breach of their servers by spammers. Anyone receiving such spam texts who used the experian app in their cell phone should report to FBI cyber at ic3.gov. Anyone using experian boost should consider linked accounts as breached.

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 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
Trying to make a basic monthly payment with MyLoanCare.com. Loan paperwork has not been completed to where I can make my payment online and when trying to call the 800 number I have literally sat on hold for over an hour. I can not continue to do this. Absolutely pathetic and ridiculous.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
On XX/XX/21 at XXXX am XXXX XXXX of XXXX XXXX contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me XXXX XXXX. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Capital One Auto located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation