vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
As a federal protected consumer these fraudulent accounts arouse from my credit card. This information is incorrect. Persuant 15 usc 1602 ( 1 ) a any card plates coupon book or other credit devices existing for the purpose of obtaining money property labor or services or credit. These accounts are fraudulent as it should be no debt that arouse from my credit account and persuant to 15 usc 1681 a ( 2 ) no factual should be included in my consumer report. As I did not authorize nor give consent. The theft report is attached please look at the dates as they are on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I engaged Amerisave Mortgage, loan originator XXXX XXXX, in discussion about a home improvement loan to complete window and siding renovation to my home. MrXXXX XXXX guided me through the process of collecting various documents and disclosures and the need for an appraisal. I clearly made Mr. XXXX aware that this was to fund home improvements and NOT refinance an existing mortgage. Following an appraisal that Amerisave required by a Amerisave owned appraiser, I was told that the very improvements and repairs that I was looking for the loan to fund had to be made prior to loan closing ; which would negate my need for the loan in the first place. I was later told by sales mgr. XXXX XXXX ( sp? ), that Amerisave DOES NOT make home improvement loans in any way and only do refinances of existing mortgages of which I have none and that Mr. XXXX clearly knew all along despite getting numerous approvals from his manager. Mr. XXXX knowingly misrepresented their loan product. Their only 'resolution ' was to refund my appraisal cost.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had an unauthorized charge on Friday, XX/XX/2021 for {$300.00}. On XX/XX/2021 I realized that my debit card was missing, and I had not been aware of the charge until that day. I called Chase bank on Saturday, XX/XX/2021 at XXXX on a 15 minute call notifying them about the fraudulent charge on my account. I received an email notice/letter from Chase Bank on XX/XX/2021 stating that it my provisional credit will be removed because it was an authorized charge when in fact it was not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
The debt does not belong to me. Ive disputed this debt several times.

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 2021-08-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I talked to Nissan Motor Acceptance Corporation to add my payment history but they denied due to the bankruptcy file in 2012. 
Also contacted all 3 major credit reporting companies but they refereed to your website to report with the proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, Capital One was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff. 

The Attorney Capital One obtained, XXXX XXXX XXXX XXXX XXXX has not done their due diligence either. I never notification from them in attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ok. The bank of America called me and also receive fraud alerts to my phone number, after the message I got a call from the bank of America Wich I check the number, and it was them and they explain someone try to do a XXXX activity from my account so I let them know I didn't they told me make a transaction to your own self to protect your.money I tell them no ... They said mam will be to your own XXXX account and how you register in your bank I didn't provide any Info, I send it to myself XXXX XXXX XXXX, last name and own phone number and no even XXXX and the bank know where is my money now, no one has protection and really hard to talk to XXXX they been trwu the ball to each other XXXX 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 monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: LA

Complaint narrative:
I got a quote for a loan from Interfirst Mortgage, but when that house became unavailable, I targeted a more expensive home. The amount of the loan increased from around {$170000.00} to {$230000.00}, and as a result they said my rate would have to increase. I protested and was told that they would be happy to match any loan rates, if I could provide them with a loan estimate from a competitor. 

Fearing losing the house in this crazy market, I elected to continue, which was a mistake. However, I got a competing loan estimate and provided it to the lender in advance of the closing. At that time, neither of my loan agents answered or returned any of the numerous phone calls I made, and I emailed them several times before and after the closing ( which was XX/XX/XXXX ), and they still have not made any effort to respond. 

Prior to me providing them with the loan estimate, they answered the phone readily, and always responded to my emails. I would have even refinanced the loan with them since they already had all the information, but their complete unwillingness to communicate after I provided the required information just solidifies that this is a dishonest company that never had any intention of doing anything other than giving me a terrible deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
I satisfied the total payment of this loan on XXXX after being assured by Fifth Third bank that my title would be sent to me, via postal mail, upon payment of the loan.

I was told the title would be sent to me within 10 business days of payment ( note that I paid this loan off 3 years ahead of time. It was a five year loan that was satisfied in two years. Well ahead of schedule ). On Monday, XXXX, I called Fifth Third bank to request a status update and I was assured that the bank contacted the XXXX and provided the loan release document. The CSR I spoke with indicated that the XXXX is sending my title and that no further action was required. 

On Monday, XXXX, I called again to request an update and was informed that only the lien release would be sent to me and that Id have to visit the XXXX  XXXX to obtain the title. This is not consistent and is an undue burden as I have moved out of state to a new location. The CSR I spoke with on Monday, XXXX was named XXXX ( last name unclear ). 

I currently live in XXXXXXXX XXXX and explained this to the CSR and the CSR stated that he would again request the loan release document be sent to me but could not help with any details regarding title. 

Bottom line : Ive been given inaccurate information across a multitude of CSRs since paying my auto loan and I have nothing to show for it ( no title, no lien release document ). Im attempting to register this car in XXXX XXXX and now I may be forced to return to XXXX  to obtain title. This will require transportation costs, time, and time away from work ( and expenditure of my limited vacation time ). The burden is huge. Had I known this ( eg. Had Fifth Third appropriately explained the process prior to pay-off instead of providing false information ), I wouldnt have paid the loan until the title transfer process was complete. Now, with no longer having that option available, Im stuck with no title and no lien release document and possibly having to travel a significant distance to obtain my title ( for a vehicle that I rightfully own and paid for ). Further, having reviewed similar complaints, it sounds like Fifth-Third bank routinely provides false information to consumers and causes an undue burden and confusion to their customers. Its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter dated XX/XX/21 about inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and my disputes ignored. According to section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. You have failed to do this. Accordingly, the items should be deleted from my credit report promptly. I demand that these items be deleted immediately or I will litigate due to the untold stress it has caused me. My information was also impacted by the Equifax data breach which has caused me untold, personal and great agony. Im afraid my information may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
HI FIRST CREDIT SERVICES/XXXX XXXX XXXX XXXX XXXX for both accounts of {$110.00} and {$110.00}?!!? ( for account # XXXX & XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time.

The disputed items must be investigated and negative information must be removed from my credit history.

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-08-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit and police report to Equifax in order to have fraudulent accounts block from my report in accordance with the FCRA 605B. My request was clear but instead of following my request, they decided to ignore it and file a dispute. Please do not dispute. Block this item within 4 days as required by FCRA Attached are mail documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: FL

Complaint narrative:
The following accounts contain inaccurate information. Please investigate and verify the following information.

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 2021-08-02 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: FL

Complaint narrative:
The following accounts contain inaccurate information. Please investigate and verify the following information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: FL

Complaint narrative:
XXXX XXXX XXXX - I am submitting this complaint against XXXX XXXX XXXX XXXX. The account mentioned, has already been deleted from my credit report but it has re-appeared with the same account number, & is reporting negative. The employees I spoke with as far as I can remember were XXXX XXXX XXXX & XXXX XXXX in XXXX XXXX location, they were introduced as representative rather than a salesperson. I have never used this timeshare, but they told us we were making good financial investment, because the resale value would go up, that it was a mortgage that value would go up & we can actually make money from it by renting it out thus earning us rental income. That we can charge friends or family to use the timeshare. They promised things would be positively different each time things got worse. They also said it has some tax benefits similar to owning a 2nd home. They took our ID/personal information. They offered gifts like discounts on tickets, also XXXX offered us XXXX XXXX tickets because his son works there. They told us they needed " corporate '' approval in order to give us the price being offered like I'm being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price because the offer was not going to be available after that. They didn't even allow us to read and fully understand the contract. I've made phone calls to request for cancellation but obviously it was not cancelled. We've had financial difficulties due to this timeshare, it became harder for us to pay our rent, bills, expenses for food & things for the family. We are stuck financially, a lot of stress in the home because we had to stop doing things we like just so we can pay them. We even lose sleep over the stress caused by this timeshare. It's really difficult because husband is the only one that works & had to miss holidays because of the payment. This timeshare has been very stressful for him. And to make it worse, they're constantly calling us for payments everyday like 2-3 times in a day. We've had the worst experience with this timeshare, the lie about us having exclusivity, the lie about making & saving money. We lost the entire day on this process & have lost so much money in something that we can't even use, we don't have time for vacation, because we need to work & earn money to pay them. We were taken advantage of, defrauded and lied to.

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