vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attached letter. XXXX reflects they did not have written authorization to access my credit report. XXXX reflects in letter they had a verbal permission to access my credit. FCRA clearlly states that written instructions is required unless a person ( and not a company as XXXX ) has met the permissible purposes required to access one 's credit report. 
In addition, XXXX then contracted XXXX XXXX to access my credit report on their behalf. XXXX XXXX is a group of companies under one company who then has access to my personal information. I never gave permissible purpose to XXXX XXXX or XXXX to access my credit report and the CRA 's need to remove inquiries 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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See attached letter. XXXX reflects they did not have written authorization to access my credit report. XXXX reflects in letter they had a verbal permission to access my credit. FCRA clearlly states that written instructions is required unless a person ( and not a company as XXXX ) has met the permissible purposes required to access one 's credit report. 
In addition, XXXX then contracted XXXX XXXX to access my credit report on their behalf. XXXX XXXX is a group of companies under one company who then has access to my personal information. I never gave permissible purpose to XXXX XXXX or XXXX to access my credit report and the CRA 's need to remove inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I financed a automobile through Ally Financial and I purchased the Gap insurance they offered. My car was deemed a total loss by the insurance company. My insurance company and I have sent Ally all the information regarding this request. My insurance company paid the remaining balance should be covered by the GAP insurance protection they offered. They requested additional information and I sent it. Now they are asking for a police report that doesn't exist because the damage was water based. I've called there number to discuss and I get a message they can't take calls at this time. I tried to send a message via their website and that is failing and can't take messages. I want to get this resolved but can't even speak with them at this time. 

Please help

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 2020-10-02 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: NY

Complaint narrative:
This the fourth attempt to correct these fraudulent accounts, fraudulent names, and incorrect addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CA

Complaint narrative:
XXXX XXXX XXXX Auto Financing Companies Inquiry date :XX/XX/2019

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 2020-10-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, XXXX, and Transunion credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX Mortgage and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX 's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.

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 2020-10-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all Experian, XXXX, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a credit card because it had 0 % interest on purchases and balance transfers for the first 15 months. I planned to pay for all purchases before the interest came due. 
the first statement I received from Capital One confirmed the 0 % agreement expired on XX/XX/2020. 
I chose to pay my bill online using the Capital One app on my phone, the XX/XX/2020 was also the date given on the app as to when the interest rate would no longer be 0 %. I have always planned that by the XX/XX/2020 date the card balance would be XXXX  and that would have been the case. 
A few days ago I checked the app and noticed the 0 % interest rate expiration date had changed from XX/XX/2020 to XX/XX/2020. I was never notified of this change and called Capital One to question it. I explained about the 0 % expiration date on my statement and was told it was a miss print. I then asked them to explain the change of date on the app from XX/XX/2020 to XX/XX/2020. they couldn't explain it and denied I had seen the date as XX/XX/2020 ( even though when discussing our bills I had shown the date on the app to my wife ). 
At no point was I ever contacted by Capital One to notify me of any change of terms on my account and consider the statement on my original card statement to be a binding contract. I consider this date change to constitute a breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Tcf bank is double charging on transactions, they deducted the monies at the time of purchase, then when the transaction post, they deduct the funds again. The statements provided are very confusing and do not give full details of each transaction. The online app has already moved the transaction making it very hard to follow. I tried to resolve the issue with the Branch manager asking for copies of all statements but he said he could only retrieve the last 3 months of statements and could only provide the statements that dont show the date of purchase only when payment posted,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: PA

Complaint narrative:
I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Since XXXX of 2019, Midland Credit has been calling me repeatedly on my home/work phone ( I work from home ), interrupting conference calls, calling before XXXX XXXX   EST, and even after XXXX XXXX  EST. These calls range from every hour to every XXXX minutes, 7 days per week. Occasionally I take the call and encounter a foreign person with a poor connection, it is difficult for me to understand the accent, or to hear beyond the poor connection. I tried a few times to propose a settlement, and they will not work with me but they continue to call several times a day, seven days per week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
I have been in constant contact with Equifax since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. Equifax has refused to update my credit report and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Please, I need help with repeated calls and them attempting forced payments from bank account prior to when funds will be available. 

Initially spoke with " XXXX XXXX '' not sure of real name. They use spoofing of phone numbers and name even though I am taking their calls. 

She was advised of my financial status XXXX XXXX the 4th week of the month ). I did advise I had no money at the time but will ( and did ) send a payment. This was not satisfactory then and even though they acknowledge receipt of TWO ON TIME PAYMENTS, multiple phone calls per day have not stopped. 

1. I cant guarantee payment via the bank account used for the initial payment. It was used to keep my commitment of said payment and show commitment to resolving this debt. 
2. Second payment was send via money order and received ON TIME by the company per " XXXX '' on XX/XX/28. Advised next payment would be sent to the address by the date provided by them on a payment schedule. 
3. As of the writing and filing of this complaint, there are MULTIPLE calls daily regarding payment. 

I am constantly threatened with litigation even though I am attempting to satisfy this debt. I do admit losing my temper during the last two phone calls with them. In fairness, I do not expect repeated calls when I have clearly shown an attempt to pay and the THIRD due date is not here yet. Threatening litigation and garnishment of a XXXX check prior to a due date when TWO payments have been RECEIVED and ACKNOWLEDGED by Midland Credit Management XXXX Inc. is beyond excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
I have been in constant contact with XXXX  since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. XXXX  has refused to update my credit report and send me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed 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 2020-10-02 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 — Problem with personal statement of dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Was alerted a year later then was never contacted after calling billing company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I called to dispute a charge and request replacement card back in XXXX. Citibank cancelled my acct without my permission. They then reopened it and stated they were sending new cards. i STILL HAVE NOT RECEIVED NEW CARDS FOR MYSELF OR AUTHOIRZED USERS. then today Citibank unlocked my card and indicated i located it when I do NOT have the card any longer, and i never logged on or called and advised anybody I found the card and refuse to offer or give me credit line increase

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX sold a {$300.00} ALLEGED cable bill debt I owe to a collection agency in Massachusetts  ( Im in Pennsylvania  ). I never paid because its NOT my debt. The collection agency filed it as an unpaid collection account and my credit scores have decreased by over 40 points from the 3 reporting agencies. ITS AN ABSOLUTE DISGRACE!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
I had a loan with Dovenmuehle Mortgage Company XXXX XXXX of XXXX XXXX in XXXX and XXXX. 
On XX/XX/XXXX I called them asking for the 1098 's for this property for those two years. They said it would take a month. I waited a month with no reply. I called again and they said they would mail them out. Nothing. I called again. Nothing. I sent a certified letter to Mr. Dovenmuehle and recieved a form letter stating the Research department will make an effort within the time alloted by the law. I've told them this is for an IRS audit. They dont care. This company refuses to respond or give any kind of customer service other than lying that they have helped out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I did three purchases of {$52.00} on XXXX back in XXXX from the same seller and turned out he was a scammer. XXXX messaged me the next day saying the sellers account had been removed for fraudulent purposes. I filed a claim with bank ( Navy Federal Credit Union ) thinking they were above XXXX and XXXX. 

They gave me a temporary credit to my account in XXXX and on XX/XX/XXXX, I received an email from Navy Fed the claim was not resolved in my favor because the merchant had provided tracking numbers. Therefore, I would have to pay the credit back. 

All they had to do was realize those tracking numbers were not even going to my zip code and the weight was way off. All three XXXX tracking numbers were going to my city, BUT DIFFERENT ZIP CODES. The XXXX representative said all three were XXXX packages, not XXXX. To top it off, I had purchased three gallons of epoxy, yet all three packages weighed no more than 2 pounds. 1 gallon weighs around 8 pounds. 

All these red flags, proof from XXXX it was fraud, XXXX XXXX representative on the line with Navy Fed that corroborated my story and still Navy Federal did not want to reopen my case and I am stuck here scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed 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 2020-10-02 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: NY

Complaint narrative:
This the fourth attempt to correct these fraudulent accounts, fraudulent names, and incorrect addresses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had reported my credit with XXXX XXXX that my car payment owed was down to {$2000.00} and my score was adjusted. Recently my score changed 29 points and Transunion is still reporting that I owe {$5800.00} which they just sent me a report which it says. I have reached out to XXXX XXXX XXXX at XXXX and the balance is {$2000.00}. Transunion says they have no updates to this yet I have a reciept and verified account info.

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