vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: DE

Complaint narrative:
Due to COVID assistance I filled for a mortgage assistance. After speaking to a representative they told me to complete the forms sent and return in the pre addressed XXXX XXXX envelope provided. I followed the instructions provided. I received a call from a representative asking if I sent back the notarized form. I told them yes, they said we didn't receive it. Then they said they would research. Then I received another call from a different representative saying the same thing basically calling me a liar that I didn't do what I said I did. In between the calls I received paper work from a title search company with a copy of the papers Loan depot said they didn't receive. I called that company and they said they got the papers from them loan depot. 
Mean while I am making my mortgage payments and receiving fees for " late payments '' because they have not serviced my loan. I received another call last week from a representative saying the same thing.. they didn't receive and basically calling me a liar again. I'm being harassed for an internal issue they have regarding servicing my mortgage and being charged late fees for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: PA

Complaint narrative:
Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX XXXX {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed

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 2022-08-04 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: PA

Complaint narrative:
Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX  - {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting inaccurate data on my credit report, stating that I was late XXXX, XXXX and XXXX of XXXX. I was not late, for the year of XXXX and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to 30 and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/XXXX which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud. They even defraud my information listed on these accounts by not showing all the information from XXXX and up, like they did from previous documents that they sent me. They make it appear that those late payments started in XXXX, but and are claiming that they don't have any information from XXXX to 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 2022-08-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: TX

Complaint narrative:
I took out a high interest loan. I knew that it was but I lost my job and needed it to stay afloat. The loan was for {$600.00}. They spread it out over XXXX payments. I have made XXXX bi-weekly payments so far in the amount of {$160.00} each. I am now working full time and want to pay the loan off in full on XX/XX/XXXX. I called today, XX/XX/XXXX to ask my pay-off amount and was advised I've only paid {$30.00} in principal this entire time and to pay off on XX/XX/XXXX, the payoff amount would be {$1000.00}. They also said I would still have another interest payment due on XX/XX/XXXX AFTER I pay the loan off. HOW IS ALL OF THIS POSSIBLE?!!! I previously called because I missed the payment on XX/XX/XXXX because I had not received a full check from my new job. I have set up arrangements and that is included in the amounts shown above. The representative I previously spoke with, moved the missed payment to the end of the loan, and split the next payment into 2 payments to help. I have so many questions, one of which is if I pay the loan off in full, why would I owe more interest after? The company advertises there is no penalty to pay the loan off early, and paying it off early can save money, but that does not seem to be the case. I want to pay what I owe but something does not seem to be adding up here. Can you help me make sure I'm not overpaying ( any more than I already have ). Thanks in advance for any help you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: KY

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX, EQUIFAX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: KY

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had my Capital One Credit Card for over a year. 
I have never had any issues, I've never filed any disputes, I've never lost my card, or had any other issue with this account... 
I have been paying my Capital One Balance with my Checking account since I first opened the Capital One account... 
On XX/XX/2022 Capital One placed 'Restriction ' on my accounts, and requested I call their 'FRAUD ' department... 

I called immediately ... The agent informed me that there was 'Suspicious ' activity on my Capital One account ... When asked what this 'Suspicious " activity was, they informed me I made 'Too many payments to my balance ' ... Baffled I asked why that was a problem, they informed me that I needed to verify the account that I pay my balance with as being my own and that I'm authorized to use the account to pay capital one with... 

If this verification had been requested at the time I first made a payment to Capital One I would understand, but I have been using the same account ( That belongs to me ) to pay my capital one balance for OVER A YEAR and for Capital One to Restrict my account makes NO SENSE, but requested I submit bank statements to verify ownership of my account. 

On XX/XX/2022 I submitted XXXX Full months of Bank Statements to Capital One, however my account is still restricted... 
Additionally, I once again spoke to Capital One 's Customer Service and was informed that it would take 7-10 DAYS for the review to be completed... .WHAT????? 

Capital One has implied I the customer has in some way done something 'Suspicious ' wrong by making a payment!!! 
They Further made matters worse when they told me to call their 'FRAUD ' Dept, to discuss this SUSPICIOUS activity ( Which was me making a payment from the account I always make payments from ) and ever further making matters worse by restricting my account for 7-10 DAYS while they verify the information that was sent to them on XX/XX/2022... 

Again, This is ridiculous, and a HUGE waste of time. Capital One shouldn't be allowed to restrict my account when there has been NO ISSUES, or other problems, and imply that I did something suspicious and imply I committed Fraud ( A FELONY ) by simply making a payment. 

If this doesn't look ridiculous and unacceptable to whoever is reading this then maybe I'm just crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OPORTUN FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XXXX of 2021 I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXX, Mi, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}, and although the company kept this items and still refused a refund this credit card company is still refusing to return funds to me. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the XXXX XXXX and never received a call back. I then received XXXX letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. Attached is my most recent compliance with the company, along with the confirmation of the fax. 
I resubmitted this claim a week ago with the same information that they keep requesting and stating I'm not providing with an additional fax confirmation. I'd like my money back along with all interest charged as a result due to them reporting this amount as owed to the credit bureau during my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: AZ

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXBalance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$340.00} 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: AZ

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation