vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: HI

Complaint narrative:
I applied for a short-term loan on or about XX/XX/XXXX. After going through the application process ( which included putting down my SSDI benefits - this was verified electronically from my bank by them ), I was presented with a contract. After I read the contract, I SIGNED it. Then I was informed that I would be notified in 24hrs of their decision. I called on XX/XX/XXXX and was informed that my income was insufficient. 
1. They verified my bank account and SSDI deposits before the contract 2. I have a signed contract. It has the amount to be borrowed, the payment schedule and the interest, as well as a promissory note. 
3. Nowhere on that contract did it state that the loan was still under review, or that it was NOT the actual loan agreement. 
I would not have signed it otherwise ( They were told so ). I would not have signed it because I would be unsure if the terms would change. 
Again, I have a SIGNED contract with oppLoans - this after the did their checks I had applied for their loan several months previously, and was told that all that remained was my signature ( I refused - didn't like the terms ). They even emailed a copy of the contract ( unsigned ). This time they didn't do so. I took photos of the contract, however. I will try do send them. Notice that the signature date is the XX/XX/XXXX, but the document date is the XX/XX/XXXX ( didn't notice that before )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2017 I was extremely ill and was not able to work. I took advantage of enrolling my existing comenity accounts into the hardship program as I was told that my payments would be made, I would not accrue any late charges, or 30 day late marks. The information given to me by the Comenity bank representative was inaccurate as I suffered 30day late credit marks on my accounts. Specifically on the accounts of Comenity XXXX Account in XX/XX/2017 was reported 30days delinquent, Comenity XXXX XXXX in XX/XX/2017, Comenity Victoria 's Secret in XX/XX/2017, and Comenity XXXX XXXX in XX/XX/XXXX which is now closed due to their company going bankrupt. I have written letters and made numerous calls to have the information removed however the buck is constantly passed and Comenity bank is not righting their wrong by removing the 30 day credit marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: WI

Complaint narrative:
XXXX I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX   HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX  . A complaint of this also in State of Wisconsin Senators office.

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 2019-09-17 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: WI

Complaint narrative:
2013 I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} ) XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to  multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin Senators office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} XXXX XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX   HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin   Senators office.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: WI

Complaint narrative:
Ive contacted XXXX Receivables performance management LLC in regards to a XXXX XXXX bill in the amount of {$1500.00} account # XXXX that is not mine. This account has stopped me from receiving a loan from my bank and is hurting my credit score. They have refused to provide proof of any documentation that shows I opened this account. It has been well over the 30 days to do so. I felt pressured by the collector to pay debt that I do not owe. Ive asked them to remove it and stop reporting it and they have refused to do so.

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 2019-09-17 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: WI

Complaint narrative:
Earlier this summer a collection appeared on my credit reports. The collection agency is XXXX XXXX XXXX for XXXX XXXX and it was for the amount of {$67.00}. I was never formally notified of the collection until it showed up over the summer. But in XX/XX/2019 I had filed for bankruptcy and that collection was not even listed. I called the collection company and notified them that I was not even told about the collection and that I had filed bankruptcy. They had noted their account and removed my name and information from their system. I filed a dispute with each credit reporting agency. XXXX and XXXX   quickly processed and completely removed the collection from my report. But Equifax will not remove it. I have filed several disputes with them explaining it was previous to bankruptcy and should not be showing up and also that the collection company has removed it. Equifax still shows the collection on my report and it shows as open. All they did was add a comment saying I disputed the collection due to a bankruptcy. I would really like my report to show correctly. I simply want it removed. Especially since the other two, XXXX and XXXX, have both already removed it. I have also tried calling and speaking directly with someone at Equifax but they continuously have told me that they cant verify my identity and so they are not able to assist me. It has been 3 months of this irritation and I just want it resolved. Equifax is by far the worst credit reporting company. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Complaint is in regards to Bank of America 's misleading and deceptive loan practices for customers seeking to refinance their home mortgages and pulling a customer 's credit score without authorization. Prior to 'locking-in ' a refinance rate with Bank of America on XX/XX/19, I was assured by a Bank of America Snr . Mortgage Lending Officer that Bank of America would " beat '' another lenders offer and highly encouraged me to seek competing quotes. As an existing Bank of America customer, this was appealing because it ensured I had the option to shop around. Two such quotes I received were more competitive than Bank of America 's. One was granted the exception on XX/XX/19 and even though the same Sr. Mortgage Lending Officer assured me that the second exception would be obtained ( emails attached ) -- it was ultimately " not approved '' on XX/XX/19. This deceptive practice then forces the customer to decide if they pay a higher rate, or waste the time, money, and negative implications to their credit by beginning the process with the other lender. While I believe I was blatantly mislead over the course of my dealing with Bank of America, I no longer trusted them and will now incur the loss of {$1100.00} cost for an appraisal, 3-months lost savings from the better refinance rate, negative impact to my credit due the hard inquiry, and potentially higher refinance rates/costs with the other lender due to dynamic market conditions.

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 2019-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was never late 30/60days on this CAPITAL ONE BANK USA N account. Please update my account to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX. 

I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail. 

On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX  account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX  XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
In XX/XX/2019 I was notified by my identity protection company that I had a new collections account. This showed up as Innovative Recovery. I had never heard of or done business with this company nor have I ever received any contact from them stating I owed a debt. When I contacted them they claimed this debt was for an apartment at ( XXXX XXXX XXXX ) an address I had not lived in but for an apartment company ( XXXX XXXX XXXX ) that I lived at over 4 years ago. XXXX XXXX XXXX has a completely different address and zip code. XXXX XXXX   XXXX also claims I have no debt with them nor have I ever. When I asked Innovative Recovery for verification of debt, they sent a statement with bogus charges for dates I didnt even live at the supposed complex. Again, the address on this statement is an apartment I did not reside in. 
Next they sent me a bill that looked like a bill a magazine subscription would give you. Complete with a fill out your card information and send it back section. 
Then this company began calling my cell phone, my parents landline, and my mothers cell phone. They continually try to offer to settle for a lesser amount then they are claiming I owe. I never gave them mine or my parents contact info other than the address to send the verification of debt to. I sent a stop contact letter because this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: GA

Complaint narrative:
Thank you for helping with this CFPB. 

Ive attached a false move out statement that has been effecting my credit score. 

The collection agency claim that I own late fees and accumulated a monthly rental charge for a apartment unit i was no longer occupying. 

In order for this move out to happened I had to follow the leasing terms contractually and report directly to the property managers in the required 60 days to indicate I was no longer going to be living in the rental unit, hence a move-out statement and not a eviction notice within the 60 day notification. 

The property confirmed, I moved out on the confirmed date with my moving van receipt attached and security footage of this day can be retrieved for evidence. 

1 year, 7 months later I was being held accountable for a error the property made in the amount of {$4400.00} Please review promptly, I would like this to be closed and resolved case. 

Many Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need to remove a freeze from experian. The website will not allow me to do it, insists i MAIL a bunch of documents that I do not and will not have, because I am working out of the XXXX country, to the company. There is NO way to speak to a person on any of their customer service numbers. I've called 15 times today and tried every XXXX trick their is. Just loops and eventual disconnection. 

This is absolutely ridiculous. I don't want these people anywhere near my information, and yet I have no choice. And now I sit here, completely screwed, because of their greed and refusal to pay someone to answer a XXXX phone.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I filed a dispute as to entry on my credit report. TransUnion failed to investigate until I established that I was who I purported to be and lived where I purported to live. Under the Fair Credit Reporting Act, I have the unfettered right to file a dispute and TransUnion chilled the exercise of that right. I am angry. I would not have filed the dispute unless I had access to my credit report. Obviously TransUnion knew who I was and where I had lived. It had sent me the 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 2019-09-17 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: AZ

Complaint narrative:
Whom it may concern I was involved in an accident in 2016 and my car was stolen and was a reported as Complete loss my insurance issued them a check and I thought the issue was resolved First investors then reported to my credit I owed XXXX I then contacted them to find balance was owed and I told them I had no idea I then confronted them about the reporting and they basically said tough luck so I went to the XXXX XXXX XXXX and then received an email from first investors promising to remove the negative account. I have been fighting with this company for years. Please provide documentation or proof of my signature showing that I knew of the remaining balance previous to them reporting it. If documents can not be provided please remove if not I will be seeking legal assistance in this matter as its affecting my life I can not purchase anything

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 2019-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I offered a settlement payment that was refused through a debt consolidation company called XXXX XXXX XXXX, they've declined all offers and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating. That had stopped for approximately 4-5 years now, all of a sudden on XXXX i received a text from Tower Loan in XXXX, MO. At the same time I received a notification of a hard hit inquiry on my credit report done by Tower Loan without my knowledge, authorization, and or approval. So i called the XXXX, MO office and asked why this was done. The office manager XXXX stated that he can do whatever he wants to do until the account is paid, he also stated that he'll do it every month. I told him that the account has been closed since XXXX of 2013 and that the account has been " charged off '' " written off '' proffit loss. He stated that he can do it this no matter what the account says, and that if it doesn't get taken care of then he'll put a lien on my mortgage title since my wife and i are now homeowners. I told him that myself and XXXX XXXX XXXX tried to make a deal and settle with Tower Loan, he responded " not my problem ''. He continued with the threat of me being sued and have a lien put on out home title and that hes starting the paperwork today ( XXXX ) and that he will have me served.

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