vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 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 — Investigation took more than 30 days
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-27 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: MI

Complaint narrative:
Ive asked Experian to show me how they validated this debt on my report, and they failed to do so 2 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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my Transunion report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.

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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.

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 2021-03-27 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: FL

Complaint narrative:
Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!

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 2021-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
In XXXX XXXX used paypal to pay for items i bought on XXXX It was taking a super long time for some of the items to arrive and I started tracking some of them. Most when I tracked them had never left XXXX. Paypal is stating I disputed transactions, what I did was asked for there help in getting my items I paid for. They tracked a couple that said landed in us but no tracking beyond that and I never got the items I addressed to paypal. I did do a few charge backs but not nearly 50 % of them did I do that. Paypal never said anything about my account to my bank nothing. No notice of action nothing. I was not alone in the mail issues and XXXX  that point in time. Alot of people were having the very same issue. When you allow sellers to tell XXXXy there based in XXXX and are not and dont even have tracking to show delivery whos fault is this really???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
I had a loan with Bridgecrest Financial for the purchase of a used vehicle through XXXX XXXX, the purchase date was XX/XX/2021. On XX/XX/2021, I paid {$13000.00} to Bridgecrest towards my loan. Later when I checked my account, I found the amount to have gone towards the loan payments instead of the principal, so I called them. During the the call I was advised that the {$13000.00} payment I made would not reduce my {$330.00} loan payments and I would need to call in every time I wanted a payment to be applied to the principal of the loan. These two points I found to be unacceptable and decided to pay off my loan. When looking for a payoff quote I found the interest over the life of the loan was not being adjusted. I called Bridgecrest again to discuss my dissatisfaction with now three different point of my loan, but got no satisfaction. I had emailed them twice with no response, voicing my concerns and frustration. During the phone call I was informed that the payoff quote would stand and if Bridgecrest saw fit, they might pay interest that wasn't owed. My due date for my first payment was XX/XX/XXXX & I paid the remaining {$8700.00} XX/XX/2021. To date I have not received my title or any of the {$3300.00} interest that had been applied to the life of the loan.

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 2021-03-27 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account : THIRD FEDERAL S & L ASS # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the Third Federal placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the Third Federal, XXXX XXXX XXXX XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of Third Federal, XXXX XXXX XXXX as XXXX has " DELETED/BLOCKED '' the account as required BY LAW ( FCRA 605B Attached ).

Third Federal will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss! 

XXXX and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars for this " negligence ''! 


I have attached CURRENT LAW SUIT for the party involved, Identity Theft Report from FTC, Current Credit Reports that show I have EXECELLENT CERDIT HISTORY on all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX CFO of  Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
XXXX XXXX of XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX hall all conspire to infringe upon our unalienable rights and freedom of liberty 's. These individuals willingly and knowingly engage in criminal activity which has cause direct damage to all parties involved. These individuals took it upon themselves to violate state and federal laws which has cause extraordinary damages financial emotional and physical upon us. XX/XX/18 this fraudulent contract was created by XXXX. Credit was extended in a private agreement and XXXX choose to neglect title 15 section 1692 and made a private transaction into a public transaction which is unlawful. The attachment that will be attached in good faith is PRIMA FACIE EVIDENCE OF THIS ON GOING UNFAIR AND MISLEADING INFORMATION WHICH IS BEYOND REASONABLE DOUBT OF DECEPTIVE BUSINESS PRACTICES. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
No mater how many numbers I have to XXXX to talk to citi about my credit card, noone answers the phone. It automated systems that get me nowhere. I should be able to talk to a human being about my problem. I have a dispute on my card that Ive called about in the past and I was suppose to receive a form in the mail I never got. They keep emailing me a link that doesnt open.

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 2021-03-27 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 was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

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 2021-03-27 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Car was totaled loss XXXX XXXX sent pay off to Credit Acceotance XXXX week of XXXX. Credit Acceptance didn't process until XX/XX/XXXX and closed account on XX/XX/XXXX marking on my credit report that I was 60 days late when I had never missed a payment.

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 2021-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ

Complaint narrative:
Was contacted by mail regarding what was advertised as a personal loan earlier in XXXX, so I decided to contact them about consolidating some of my credit card debt. After going through their application process a sales person contacted me mid XXXX. The sales person wouldnt tell me the APR of the loan I was approved for until I pressed them for it TWICE! They kept talking about the monthly interest rate of 1.7 % before eventually revealing the actual 19.99 % APR. Then, they mentioned that theyd be setting me up as a sole proprietorship so they could get me a business loan to pay off my credit card debt. ( Note that the emails I attached say 14.99 %, but the original rate they quoted was 19.99 %, and the first email shows the emphasis on this mythical monthly interest rate XXXX. 

After I hung up on the XXXX salesperson, a few days later on the XXXX they were magically able to get my interest rate down to 13.99 %, which tells me they were price gouging me, and also they knew I was just going to payoff debt and didnt need $ XXXX, but kept pushing that anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2021 I authorized a payment of amount {$2600.00} to pay off my XXXX XXXX credit card balance. The payment was to come from my Citibank checking account. On XX/XX/2021, the payment of amount {$2600.00} was withdrawn twice from my checking account and paid to XXXX bank. I only authorized the payment once, but two payments of the same amount were made. On XX/XX/2021, I called Citibank to correct the issue and request that the second payment be returned from XXXX to my checking account. They claimed that the payment could not be reversed as it had already been processed and the funds had been available. They claimed no fault as their fraud detection system had not been flagged during the erroneous second payment. I have not been able to get a hold of anyone at XXXX to request a chargeback, but the money is currently a credit on my XXXX account.

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 2021-03-27 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: NJ

Complaint narrative:
Hello. In my credit report with Transunion it appears on one of my mortgage with XXXX XXXX  XXXX  XXXX adverse information about stating the account payment status the account is included in a bankruptcy. It also states in the remarks section : Chapter XXXX Bankruptcy. Ive disputed the item 3 times and lastly I sent them copy of my discharge and evidence this account was never included in my chapter XXXX and even if it would of been included, its beyond the 7 years mark ( XX/XX/2020 ) and it should of been removed from my account. Unfortunately they have refused to correct the information, it continues to appear and this is causing me issues now that I want to buy a property. Its important to say this is the only adverse and inaccurate information that appears in my credit report with and the credit reports with the other two agencies have no issues.

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 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Since the XXXX of Friday i set to close my TD bank account, as soon as I setup to close the account.The very next day I started having fees and charges I didn't have. I kept calling to close the bank but they kept hitting me with fees. How am I suppose to close a bank account when they keep giving me fees. They won't close because of the things pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
I had asked this company for debt validation which I never received I found out about them through my XXXX report and then after I tried to make an offer and would not budge to the amount that he asked me for he said that he would make sure I would never get a discount from the company again and would make a note of it and would be sure I'm gon na pay what he says becuase he knows I was for sure trying to take care becuase I needed credit which was false not sure how he is going to speak on what I'm going to do. On top of all that the few times I did have contact I was never verified or mini XXXX he never verified to make sure it was me with my ssn or my date of birth he never told me it was an attempt to collect a debt or etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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 was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has pulled my credit information twice in XXXX, I have never applied for credit with bank of America

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 2021-03-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, Experian, XXXX  and XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX  XXXX, Experian and XXXX  as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss!

Experian and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars  for this " negligence ''!

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