vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
XX/XX/XXXX. I applied for a {$300.00} loan with XXXX in front of their office while I was in my car by phone due to the coronavirus signage. 
She advised me they run a credit check after asking my name and if it was fine, I said yes then she asked me for my personal information. When she asked me my address, I explained that it was a post office box physical address and that I don't have a home where I live physical address, just mailing. She declined to move forward with the loan application process stating that a physical address where I live/reside is needed. That was understandable so we ended that call and I left their parking lot. 
I drove less than 10 miles away and XXXX  alerted me through my phone that Western shamrock finance ran my credit anyway even though XXXX declined to process the credit application. 
I pulled over to call them back and was transferred to the manager who got unprofessional and rude saying and taking up for the fact that they ran it anyway. 
That is not right if I got approved how am I to know? It's not fair that this company operates like this, I need the loan. My credit is not for them to relend or process their payroll after declining to me the application process because I don't have a physical address. They need to get arrested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Infinity Capital Group
State: WI

Complaint narrative:
I was trying to lease a car and I got deline because of my credit but they still did what they did cause now it alot of people calling from I don't where

Company response to consumer: Untimely response
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates, LLC is attempting to collect a debt from me that I do not owe. 
Portfolio Recovery Associates, LLC is alleging that I owe {$380.00} but is refusing to providing me a valid contract to show that I agreed to the terms of this debt. 
I did not signed nor agreed to a contract for the {$380.00} that Portfolio Recovery Associates, LLC is alleging that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: LA

Complaint narrative:
I am in the process of obtaining a residential mortgage. 

On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. 

At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV 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 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the week of XX/XX/2020, I contacted 53 Bank regarding an email sent by the company about hardship assistance amid the coronavirus pandemic. I called the bank to ask about the possibility of getting a deferment of my payments given that I was separated from my job as a result of the coronavirus crisis. The representative from 53 Bank said they would send documentation to process the request. On XX/XX/2020, I received an email from 53 Bank asking me to sign an agreement regarding my " delinquent account ''. Up until this point, my account has never been delinquent. The document basically states that the only way to not make the upcoming three monthly payments would be to sign a document acknowledging that my account was delinquent, and instead of deferment, I am getting a delinquency extension that could potentially affect my credit history. The document includes a phone line to request assistance, but the line immediately disconnects after it tells you to wait for the next available representative. I have made multiples calls but they are all automatically disconnected. I contacted the main 53 Bank customer service number and they told me they do not know anything about the situation and that if I need help I need to keep calling the line that is basically disconnected. The bank is basically using the financial hardship encountered by people as a result of the pandemic to get them to sign agreements about alleged delinquent accounts that were never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Over a month ago I disputed multiple items on my chexsystems report. Chexsystems completed their investigation and was able to corroborate my compliant and removed the items in question from my report. They sent me a new report. 

Since then I went back to the credit unions to open my accounts that were previously denied me. Two of those credit unions were able to verify that while I may have a corrected chexsystems report, on their end when they pull the report the same information is still being reported though the chexsystems product named " Qualifile '' Today I was able to verify that information with a third credit union. The credit unions are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Chexsystems must completely update all of their systems so that the credit unions have the same information that they gave me in a new report on XX/XX/2020 and rescore me based on those changes.

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 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
In 2017, I was taken to ER in an ambulance for a XXXX XXXX  injury - I was unable to move from the a lying position. I was released 3 hours later, many months later ( I moved so I did nit receive ANY notice in the mail ) I noticed on my credit report that I was in fact charged for the ambulance ride, given that I am a % XXXX XXXX XXXX XXXX wounded XXXX Veteran ambulance charges should in fact be included and fully paid for by the VA. Also it should be noted I notified the VA the same day I was released of the Ambulance ride. Now 3 years later and many many calls to the VA and the DEBT collector ( Aargon Agency Inc XXXX XXXX ) no one is helping and all they do is tell me to call someone else! they are fully aware they are just giving me the run around and this should not even be an issue given I am a % XXXX XXXX vet who was XXXX in the war and the VA states they DO cover these bills. I have a credit report that I disputed and under accuracy it reads * The payment history/rating is incorrect, the account is settled * and yet it is STILL ON MY CREDIT AS DEROGATORY. I am XXXX years old and living in a house that is contaminated with dangerous levels of black mold that is making me sick and I can not get approved for even a small home loan even though I have $ XXXX   monthly income due to this error and 3 other bills from the VA that are incorrectly being reported on my Credit report since VA should be paying all medical bills. Thank you for your time and thank you to the people who made this agency File number XXXX XXXX XXXX SS # XXXX XXXX XXXX AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV 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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I continue to receive an inaccurate coupon for {$1700.00} that does not reflect the interest paid directly to TIAA Bank by my employer, as a relocation interest subsidy. In addition, they continue to include charges for house insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, they continue to charge for flood insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, and they continue to charge for the increase in property tax which was also paid-in-full directly to the escrow account on XX/XX/XXXX. 

All of the aforementioned payments have been verified at my financial institution as received and cashed by TIAA Bank Cash Management. 

I changed insurers and paid them directly in XX/XX/XXXX ; however, the bank disbursed funds to one on the cancelled policies, even after I notified them of the change. The cancelled policy holder sent the checks to me, and I in turn sent the funds back to the escrow account. The other insurer failed to charge me directly, despite being given my credit card information. Once discovered, I sent these funds back to the escrow account as well, as detailed above. I had to contact the XXXX XXXX XXXX  in order to find someone in TIAA Bank capable of identifying and resolving the issues. I thought that once these concerns were cleared, I would receive an accurate billing statement ; however, the statement is still inaccurate. 

As per communication that was only achieved after contacting the XXXX, the following is an accounting for the aforementioned loan and the manner in which TIAA Bank has been paid since XX/XX/XXXX, and will continue to be paid until this loan is refinanced by a financial institution capable of servicing my loan appropriately, or my employer 's annual interest subsidy is adjusted in XX/XX/XXXX, whichever comes first. 

The following are charges and payments by month : Principal and Interest {$1100.00} Taxes {$400.00} Subsidy - {$210.00} My Payment - {$1400.00} Due - {$96.00} Note : The tax calculation is based on the original tax amount of {$4800.00} divided by 12 months to arrive at a monthly amount due, since the {$680.00} increase was previously paid directly to the escrow account. 

TIAA Bank receives each payment on time. The additional {$96.00} they receive from my monthly payments should be applied directly to my principal balance, as requested. Instead, I continue to receive fraudulent delinquency notices. The escrow account is not a slush fund. When I spoke with TIAA Bank via the XXXX, I requested a reconciled balance from the bank. The P & I, Subsidy, and Tax amounts were provided by the bank, so I do not understand why they still can't get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. Experian, XXXX and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts,  names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2019 and accounts are still reporting fraudulently. 

XXXX/XXXX XXXX  XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX COUNTY FAMILY DIVISION ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA 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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i just pulled my annual credit report and saw several errors reporting

Company response to consumer: Closed with explanation