vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX, for the last XXXX  years I had a student loan which I paid in full on XX/XX/XXXX. Paid {$2400.00} in full. Student loan started on XX/XX/XXXX. 
I have been trying to get a copy of my credit report from Equifax, unfortunately Equifax keeps denying my requests every time saying that I do not have credit history. 
That's just not true. 
I have access to my reports from XXXX and XXXX, they clearly show everything, including my student loans, which they have been paid as well my purchases with my credit cards. 
Equifax keeps refusing to provide me my credit report. 
This is not a XXXX time incident, this is been ongoing since XXXX. 
I am also one of the victims of the Equifax data breach of XXXX. I found this out on the data breach settlement page. 
I called Equifax, they send me a letter to fax them my information, which I have done as requested on XX/XX/XXXX at XXXX XXXX. Faxed over 15 pages including drivers license, ssn, lease agreement, utility bills. 
Called Equifax on XX/XX/XXXX and the agent, again, refused to send me a copy of my credit report stating that I do not have credit history and I should contact my bank. 
My credit union keeps denying my application of credit because Equifax says I don't exist on their systems and my credit union tells me to contact Equifax and when I call Equifax, they say I need to tell my bank to report my information to them. 
Called Equifax on XX/XX/XXXX and I said I want to purchase my credit report, I was also denied, again. 
Since when is it my responsibility to tell banks or credit unions how to do their job or my responsibility? 
I am trapped on an endless loop. 
To this very day, Equifax is refusing to provide me my credit report. I called, I requested to buy it and no success. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items in the attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting 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. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. 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
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: VA

Complaint narrative:
I got myself into business with RealFi Home Funding Corp ( www.rhfunding.com ) more than six months ago ( XXXX of XXXX, XXXX ), when decided to apply for mortgage refinancing with them. Today is XXXX, XXXX and the loan is still not closed, and likely won't be closed because the market conditions have changed and I would not accept the new pricing from them. As result, I lost money and time. I lost money because today I would have to accept higher rates, I would have to pay for new 0.5 % refinance fee and I would have to pay for another appraisal. I did lock the rate with them but it was meaningless if you deal with a company which would not close on loan even in 6 months. I am not sure what was their real intent. Every month they were requesting same documents over and over, and then just sitting without doing anything, at least, with my loan. They never answered the question when the loan was going to be closed. They are either unqualified or extremely arrogant. To add more insult, they did hard inquiries on my credit without consent. 
Hopefully, I saved some potential mortgage shoppers from dealing with RealFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I had a lease with Hyundai Capital America. I turned in the car without any issue/ late payments etc. I dropped the car off and that was the end. Hyundai said they sent one letter that had a final payment of {$450.00} excise tax and {$250.00} drop off fee but I never received this and they never attempted to contact me. When I started my credit report is where I noticed it said {$700.00} WRITE OFF / CHARGE off so I called to inquire about this and why they didnt tell me. I paid off the {$700.00} immediately and I submitted to the credit bureaus the dispute with the paperwork showing this is paid. I called HYUNDAI several times to adjust the negative comment on my credit report and they say they listed it as PAID but they can not remove the WRITE Off/ CHARGE off amount that is still negatively affecting my credit score as I want to purchase a home. I have called Hyundai and Written them along with disputing thru the credit bureas but this is still showing up negatively on my credit report and its not fair.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Bloomingdales credit card has an account on my credit file that doesn't belong to me. it states the card was opened in XXXX during this time I was a victim of Identity theft I have written multiple letters and filed a police report. I believe someone in my family stole my identity they have opened multiple account in my name as well as bank accounts, credit cards and loans. when first learned of this I was sure what I was suppose to do to get my life back. This has been the worst nightmare trying to obtain my identity back. I was unemployed from XXXX to XXXX and never applied for any credit, I wasn't in a position finically to pay anything or even apply for credit knowing I didn't have a steady job.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a mortgage refinance back in XXXX of 2020. To this day it has not been approved and is still pending. I provided all the documents that the bank has requested. a few months ago. No one has provided me with any feedback since XXXX. Every time I call they say that it is still pending and there are no updates. 
They tell me that the documents I provide are only good for 60 days. And after 60 days the documents expire. But they take a few months to review and it's a never ending cycle. I provide documents and by the time they review it they already expire.

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 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and Phoenix Financial my medical information. This medical bill was submitted to, or should have been submitted to XXXX County for XXXX care ; as I requested more than twice. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. Because the CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, it is obvious they are not a covered entity. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I called to dispute these 2 inquiries from citi bank/best buy and got a letter confirming that it would be removed since last year. Unfortunately i no longer have the letter to confirm that ... and these are still on my report. I want them removed

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 2021-04-01 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: TN

Complaint narrative:
I have contacted and notified all parties involved : ( XXXX, Equifax, XXXX, Us Dept Ed, and Dept Ed/XXXX  ) of these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XXXX {$5900.00}, XXXX XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TX

Complaint narrative:
This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting 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. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. 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 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 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
BELOW IS A LIST OF NAMES ON THE INQUIRIES I DID NOT AUTHORIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE SPOKEN TO CUSTOMER SERVICE OF TRANSUNION TO REMOVE THESE UNAUTHORIZED INQUIRIES AND THEY WOULD NOT TAKE CARE OF IT.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank and the Credit Cards I have with them, did absolutely zero to help with lowering interest rates from the beginning of the Pandemic to this Complaint. Others has totally understood the severe financial hardships and made continual adjustments to keep solid customer relations. Not Capital One Bank, they positioned themselves as a XXXX XXXX lender, which I considered very much unjust in enriching themselves during this terrible time. 
I have emailed the CEO not once But twice on, not one reply, they should to repay me all the unjust high interest to me or reapply to my cards as this comes into acceptance, you can do this and you can see from all cardholders that have the same problem, defrauding all with extortiive rates. 
Be well, XXXX XXXX, De XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian, XXXX  and XXXX will not give me a updated 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 non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My home is in NJ. Im in a union and during COVID last year we were shut down for a period of time. I did not want to have a negative relationship with my lender so I avoided forebearance. I struggled to make the payments but kept them to a few days late. On one occasion it did go 60 days delinquent. As soon as possible, by XX/XX/2020 I brought the loan current with neither Quickens nor governmental assistance. 

I was under the assumption that during COVID the lenders were giving some flexibility and were not reporting borrows delinquent. Quicken Home loans has destroyed my credit with 6 months of late payments. Why? What did they accomplish other than to prevent me from acquiring a lower mortgage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
An account was opened by me and approved by Citibank on XX/XX/2021. When i tried to use the card it was refused. When i tried to activate the card i was told my identity could not be verified despite the password, e mail address, and phone number used to open the account. I was told I would receive a letter to open the account. I did receive a letter stating i should call to activate my account. I called. I was told that was not the right letter that i had to wait. I asked to close the account. They refused, a supervisor refused, I never received another letter and they refuse to close the account.

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 2021-04-01 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I sent Wells Fargo a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

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 2021-04-01 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: TX

Complaint narrative:
XX/XX/XXXX and Transunion will not give me a updated 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 2021-04-01 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: TX

Complaint narrative:
XX/XX/XXXX Equifax and XX/XX/XXXX will not give me a updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hello, I have been working with Portfolio Recovery, they are saying I owe 3 different amounts ; {$2900.00}, {$870.00}, and {$420.00}. I have been in contact with them since XX/XX/2021, they have yet to verify the debt. They tried to take me to small claims court, but dropped the case. They keep telling me the dept is " verified '' without actually verifying it or telling me how they verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am unsure if this is the appropriate venue for this but I am a 100 % XXXX veteran trying to refinance a loan with One Main Financial and have been a customer for several years and refinanced in the past going from Secured to Unsecured. I get confused easily due to the brain damage from a XXXX blast and the financial advisor XXXX XXXX ) ( spelling incorrect ) showed in my opinion a discriminitory attitude towards me from the beginning eventually resulting in her hanging up on me during the process of giving her verbally my bank account and routing info. During these COVID times when we are discourged from going to businesses having someone who is supposed to walk us thru treat me so harshly and unjustly when I explained from the beginning of my special needs makes me scared to do business. Her superviser, XXXX XXXX? spelling ) helped me this morning with a problem XXXX could not yeaterday. Her unwillingness to be patient with someone with special needs is unacceptable and I am unsure of what agency can handle this. I am seeking guidance with how or who to make a formal complaint to. Thank you in advance for your assitance.

Company response to consumer: Closed with explanation