vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 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: IL

Complaint narrative:
Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NY

Complaint narrative:
The credit bureaus are in serious viloations of the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NY

Complaint narrative:
The credit bureaus are in serious viloations of the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Financial Management Solutions, LLC
State: NY

Complaint narrative:
The credit bureaus are in serious viloations of the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NY

Complaint narrative:
The credit bureaus are in serious violation of the FCRA laws and FDCPA laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: IL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: AL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Our business credit card has a credit balance of almost {$500.00} and its been over a year, and Capital One still refuses to refund the money to the business account they withdrew from. I have the last statement showing the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
There are 3 companies attempting to collect a debt. These accounts were opened fraudulently, never received debt validation, nor a debt verification letter. 

XXXX XXXX XXXX Sentry Resource Collections 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 explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
I was XX/XX/XXXX in XXXX KS XXXX and while there myXX/XX/XXXX account was garnished by a debt collection agency and they took all my funds from my XX/XX/XXXX account, stating it was was for a default judgement from XXXX. The original creditor was listed as XXXX XXXX XXXX but I was denied permission to contact the debt collection agency to dispute the validity of the default judgement by the my inmate case manager, Ms. XXXX. Recently I was given a new notice of unpaid judgement by the same debt collection agency, dated XX/XX/XXXX with a balance due of {$490.00}. Recalling the extreme XX/XX/XXXXI suffered inXX/XX/XXXXas a result of this judgement, I searched the court records to see the procedural due process leading to the XXXX default judgement. What I found was that in XXXX I was accused ofXX/XX/XXXXandXX/XX/XXXX were filed XXXX XXXX XXXX XXXX XXXX. Apparently there was no judge assigned to the case but somehow I was fined {$170.00} which was allegedly due to be paid by XX/XX/XXXX. On XX/XX/XXXX a petition was filed against me in XXXX XXXX XXXX heard in Limited Actions naming the Plaintiff as XXXX XXXX XXXX. The statute of limitations in Kansas for civil actions is five years. The City of XXXX Municipal Court filed a petition on a ten year old traffic fine, the Plaintiff was represented in Limited Actions court by their Attorney of Record, XXXX. XXXX  XXXX  in XXXX which is also the debt collection agency which garnished my XX/XX/XXXX account in XXXX. I'm going to send an inquiry to validate the debt. I am also expecting the evidence of jurisdiction for the Limited Actions court to hear a claim for XXXX year municipal court fine of less than XXXX $ since the statute of limitations to file a civil cause of action in KS is one year from the discovery of the alleged delinquent account. and since I've never paid on this account. Deceptive acts and practices, false claims, unfair debt collection practices, prosecutorial misconduct and abuse of process. Fraudulent activity and judicial misconduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Request to delete/remove all LVNV Funding LLC accounts effectively and immediately with reference to both XXXX XXXX credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Request to delete/remove all XXXX XXXX XXXX accounts effectively and immediately with reference to both Capital One credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
They held my check for 2 weeks finally let me get it now my account is over drafted but I had XXXX $ in savings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We had job loss that lasted 2 years for my husband and then myself. We finally filed chapter XXXX. The attorney that we had gave us a payment of {$680.00} but when we got to bankruptcy court we were informed that the amount was wrong. Our attorney said not to worry the new total would only be about {$100.00} more, it ended up being almost {$300.00} dollars more. Over the last 2 1/2 years we paid over {$23000.00} towards our bankruptcy. I. XXXX we became behind on our mortgage. In XX/XX/XXXX we received a notice that we had 10 days to pay {$17000.00}. Well in the midst of covid that was impossible. Fighting back and forth with the attorney for PHH and having XXXX XXXX and XXXX  XXXX we finally had to voluntarily dismiss our bankruptcy because they wanted to go to court to get it dismissed. We tried to apply for a modification but they wouldnt help us. We are fister parents and have so much going on with our kids losing our house would be devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a Bank of America Visa Credit card. Below listed cash transactions were done For the the year 2020 total amount {$270.00}. These transactions were provided by Bank customer services Supervisor XXXX. 
Total fees charged {$270.00} and Interest charged {$11.00} I called the Bank and explained as an example for {$1.00} cash transaction you are charging {$10.00} fee plus interest this translates into 1000 % interest which you may call it as a fee.

I requested to waive off the fee of {$270.00}. Bank representative said charged as per the agreement. I said you have agreement-agree. But from fairness and reasonableness standpoint how can you charge 1000 % for {$1.00}. XXXX Supervisor created a ticket XXXX. I asked within the company is there any department i can bring this to the leadership attention. He said NO. There is no email or physical address provided for reporting. I requested to send an email of the charges and conversation and decision. Bank said NO, we don't send emails or send letters on this issue. I called another time but still the same answer NO. 

I think these charges are unfair, and unreasonable, can CFPB intervene and help on this issue. 
Attached document.

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 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Two complaints : 1 - Was told we would be going beyond our lock rate date and would need to " to either extend the lock or pull the application. '' No costs or other information was provided to us. As rates have decreased since we started this process, this seems like a deceptive practice to obtain more money from us without giving us complete information.

2 - Had issues scheduling an appraisal. Company would not let me choose appraiser or schedule an exterior only appraisal to confirm property value. The appraisal company the bank choose refused multiple times to schedule the appraisal on more than 1 day 's notice. The bank refused to return numerous messages about this, which ultimately caused many delays. I do not understand why the bank does not allow for flexibility in the appraisal process or why the appraisal company refused numerous times to schedule beyond one day. 

Ally Bank for home loans is the definition of a complete scam.

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