vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I was notified via phone of an outstanding debt from XXXX XXXX XXXX. The collect agency said they had mailed and called about the debt, however never recieved in communication until about XX/XX/2018. The debt was posted to the company web portal on the account. This charge was done after the lease had completed and all rental agreements had been met. 

I had no reason to log back in the portal after the end of lease and vacating the property. Once was made aware the {$100.00} was paid to XXXX XXXX XXXX. It has been removed by XXXX, however not by XXXX  or XXXX. Currently my credit scores are XXXX XXXX, XXXX XXXX and XXXX XXXX. There is a difference on 66 points on my  credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied to XXXX XXXX HomeBuyers Choice on XX/XX/2019 and started the process of this loan, I received an email asking me to submit lots of paperwork to get the loan started which I summited everything almost immediately ( W-2,  Paycheck Stubs, Signed federal tax returns for the last two years in which I submit that same day than a few days later I received an email response from XXXX who was my loan officer she replied on XX/XX/2019, in which she told me the document I sent was received and that the loan was on track, I received a mortgage loan conditionally approval on XX/XX/2019 in the amount of {$600000.00} since I had already picked the home and stared the escrow process since before that I had already received a Pre-approval letter for the amount of {$810000.00}. I schedule an appraisal for the property and paid Navy Federal {$490.00} to get that going I received an approved appraisal on XX/XX/2019 the loan was moving perfectly fine I had even a set closing date for XX/XX/2019, then I received the final closing disclosure on the XX/XX/2019 and the loan was unable to close due to the loan processor XXXX in which I tried numerous time to communicate with her and she never responded via email or phone calls she ignored me and my loan officer, I got reassigned out of nowhere a new loan processor named XXXX who was very helpful with the process but I did ask him that if everything was fine and why we had not closed on the according to date we had agreed to which was the 17th he told me that the file had reached closing and it was not supposed to reach that department yet. He told me not to worry that everything was fine and that we just needed a few things from underwriting, then I received a call from my sales agent that he had spoken to XXXX and that the whole loan had been denied. I felt mislead throughout the whole loan process in which I was preapproved for over {$800000.00} then I went and only asked for {$600000.00}, I was allowed to open escrow with Navy Federal knowing that the loan still had not been the final approval. this is terrible business practices as I have no lost half of my deposit which was {$6000.00} due to the sales having to move for the closing and unable to move for also having them fix items from the home, of course, they had reason to be upset for the loan not closing on time also XXXX Have lost my appraisal money as they are not willing to refund me that amount and made me take this unnecessary step to close a loan they had not yet to underwrite. making me lose time and money with a misleading company with no ethics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: MD

Complaint narrative:
i have inaccurate and unauthorized credit application on my equifax report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX  on XXXX XXXX 4- XXXX on XXXX XXXX as well as on my XXXX   report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX on XXXX XXXX 4- XXXX  XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XXXX XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX report,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Diversified Consultants, Inc.
State: AL

Complaint narrative:
The credit Collection Agency Diversified Consultants never notified me of a debt. I found out about the alleged debt through a credit alert. Once I found out I mailed a debt validation letter and called the Diversified Consultant on XX/XX/19. During the call ; I learned that it was XXXX XXXX, but I do not owe XXXX XXXX money ( a debt ). The  agent stated I paid XXXX  XXXX ( and the file is closed ), so why is the account on my credit report? I was told because I paid it two days after it was assigned to them by XXXX XXXX. Additionally, I made it clear I did not make any payments to their company ( Diversified Consultants ). Diversified Consultants had nothing to do with making a payment to XXXX XXXX because when I made the payment on XXXX XXXX website : I had no knowledge of a collection account on my credit report. 
The violation of my rights under the FDPCA are as follows : 1. Diversified Consultants did not provide me a written notice of the debt 2. Did not provide with the name of the original creditor 3. Did not give me an opportunity to dispute the debt 4. Did not recognize the 30-day waiting period between validating a debt. Without validating the debt, they are not allowed to seek collection Because of these  violations, I have a right to sue in court {$1000.00} dollars per violation and {$2000.00} per violation under the FCRA. I paid XXXX directly and knew nothing of this collection. I canceled my service with XXXX and did not know my old phone was still locked. At this point I learned I had a small balance I was not aware of ; once I found out I immediately paid the balance online ( XXXX ). Diversified Consultants had no legal right to place any notation of anything on my credit report because I have no legal contract with them or any legal standing with this company. They are basically attempting to ruin my credit when it is clear I made a payment two days after it was assigned outside of my knowledge or receiving a proper notice ( duns letter ). I want this collection deleted from my credit report immediately. XXXX XXXX and Diversified Consultant clearly are not interested in following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
Titlemax loan originated on XX/XX/2018 = XXXX payments started XXXX 2018-present = XXXX balance remaining = XXXX I make 400-500 $ payments every 30 days and not one cent has gone to principle I have discussed with the company on several occasions and was told that I signed the documents, that my vehicle will be repossessed if payments default, that this is high risk/interest loan company. 

I tried to get another company to refinance at a lower rate and was told that Titlemax over loaned me on my car, that my car wasnt even worth what they gave me and that they could not help me. 

Please help, I understand companies are in business to make money but this is excessive ... I have no means of retaining an attorney. I have looked high and low for community organizations and non profits for assistance in resolution. Im not looking for " free '' money. Im looking for " fair '' resolution. This is like 300 % percent loan ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: IN

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
TransUnion reporting credit incorrectly. Student loan has been paid in full XXXX balance owed never late

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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
This is regarding my Union Bank & Trust account that has been assessed a number of late payments in violation of Federal Law. The loan was made on XX/XX/XXXX, the Note states that after the XXXX a late payment can be assessed, however, it is using Form 3247 which is a XXXX XXXX form. XXXX XXXX follows Federal Guidelines in its lending practices. I have been assessed late charges prior to the XXXX of the month and I would like to have them removed. PLEASE VIEW THE Union Bank & Trust Note ATTACHED AND CONFIRM THAT THEY ARE USING XXXX XXXX Form 3247. Pursuant to XXXX  XXXX Guidelines as stated in this link : FOLLOW THIS LINK : XXXX : XXXX # XXXX, IT STATES AS FOLLOWS : Late Charges for Conventional Mortgages. THE NOTE FOR A CONVENTIONAL FIRST MORTGAGE MUST PROVIDE FOR THE BORROWER TO PAY 5 % LATE CHARGE ON ANY INSTALLMENT THAT IS NOT RECEIVED BY THE 15TH DAY AFTER IT IS DUE. The late charge should be computed on the principal and interest ( P & I ) installment only, not on the full monthly payment of principal, interest, taxes, insurance, and other assessments ( PITIA ). THE COMPANY HAS ILLEGALLY been assessing late charges to my mortgage from XXXX to the XXXX in violation of XXXX XXXX 's guidelines. 

I would like the late payments that were assessed removed prior to the XXXX of each month and appropriate adjustments made. I'VE ATTACHED A COPY OF THE NOTE AND HISTORICALLY ACTIVITY.

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 2019-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
American Honda has not provided the contract with my original signature when On XX/XX/2019, I sent them letters directly requesting them to provide me, my agreement. We sent letters to the credit bureaus asking for proof of the agreement and to validate the debt. And how was the investigation handle when I disputed this item on my credit file. I am asking them to provide proof of this account, or removed from my credit file. Or provide the original contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: IN

Complaint narrative:
I was not late on my accounts, I wonder why Equifax, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXXXXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX.I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I recently got hit with a 30 day late payment from XXXXXXXX XXXXAcima. I been set up on automatic payments from XXXX for a ring that I have never received. I been calling and speaking to reps to assist me or give me a resolution. I received an email XX/XX/2019 stating the ring was ready to be picked up. I never got the ring and on XX/XX/XXXX I received an email saying they verified with merchant and " confirmed '' I took the ring and in the same email they are asking for my mailing address to ship me the ring ... and once i have the ring I can cancel and issue a return. On XX/XX/XXXX I spoke to customer service they said they would investigate and get back to me and they would stop charging me. I been waiting for a follow up call and I haven't heard anything. but I got a late payment for this month, I been getting charged a total of {$600.00} for a ring I have NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXXS GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CT XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!

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 2019-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: IN

Complaint narrative:
I was not late on my accounts, I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, ..I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately

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 2019-06-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AND XXXX XXXX # XXXX XXXX XXXX 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 2019-06-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i have inaccurate and unauthorized credit application on my XXXX report : 1- XXXX on XXXX XXXX-XXXX  2- XXXX  onXX/XX/XXXX 3- XXXX  on XXXX XXXX-XXXX 4- XXXX on XXXXXX/XX/XXXX as well as on my experian report : 1- XXXX  on XXXX XXXX-XXXX 2- XXXX on XXXX   06-2019 3- XXXX on XXXX XXXX  4- XXXX XXXX XXXXXXXXXX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XX/XX/XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX 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 2019-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX and Equifax are wrongly stating the length of time we have been paying on time our mortgage company. I explained to them on a dispute about the error on their reporting and yet they still showing the same error. We have had our mortgage since XX/XX/XXXX and they are only showing it since XX/XX/XXXX, therefore creating an " insufficient amount or too short of credit history '' reason to lower our credit rating. Consumers are affected with these misreportings. The worst part of all these is that they will not acknowledge it or try to amend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: IN

Complaint narrative:
I was not late on my accounts, I wonder why XXXX, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX CARD XXXX, XXXX   XXXX, XXXX XXXX, ..I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately

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