vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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:
I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!

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 2021-07-13 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:
I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ORG GC GP BUYER, LLC
State: KY

Complaint narrative:
Some company called saying they were GC Services. They did not identify themselves as a debt collector which is a flagrant violation of the FDCPA. Instead they were trying to misrepresent who they were, and not immediately state that they were a debt collector. I have no idea why they would call me. I don't owe any alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: A P Auto Finance Inc
State: TX

Complaint narrative:
Auto Pronto, ( AP Auto Finance ) on XXXX XX/XX/2021, contacted my in law, - who is not a authorized on the auto account And stated, that they were trying to collect a debt, and in said conversation, decided to let her know, if I didn't bring the vehicle in question back to them, I would be charged with Hindering a Secured Creditor, in the State of Texas. 

In doing such, I feel my rights were violated, as my in laws and I aren't really the best of allies at the moment, and has created all kinds of drama. This has also put stress on a medical condition I have as, I have XXXX induced by XXXX. Doing so, has also caused XXXX  and embarrassing XXXX  on my marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: LA

Complaint narrative:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL

Complaint narrative:
I inherited property from my mother approximately 2 years prior to her passing. She had a Reverse Mortgage Funding loan on the property. I have been trying to purchase/pay off this loan since XX/XX/XXXX. I have submitted all documents, sometimes 3 times. We were within 3 days of closing in XX/XX/XXXX when they emailed me to say after reviewing the appraisal, they found substantial damage and an inspection for insurance purposes had to be done. They had the appraisal in their possession since XX/XX/XXXX and waited until the last minute to spring it on me. I was never filing an insurance claim so they filed one on their behalf. Two inspections were done in XX/XX/XXXX with both failing. I have confirmed this with the insurance company and wrote an email to the short sale rep with Reverse Mortgage Funding to let them know. 
I have repeatedly sent emails trying to get an update on my closure to no avail. They won't answer my emails and when I speak to anyone on the phone, I get the same answer of it's in progress. It's been in progress going on 8 months. 
I have had to change my entire summer schedule to accommodate this company and they don't have the common courtesy to keep me updated or answer my emails. 
I fully believe they are stalling to add time and fees to the balance to get extra money from HUD for the residual payoff amount. They said I could buy the property for {$140000.00} but show a balance over {$200000.00} of which I understand HUD pays them. This is not fair to me or HUD and is morally if not legally wrong, close to extortion in my mind. 
Please help me get this resolved so I can have closure on my mother 's death and move on with my life. 
Respectfully, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-07-13 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I contacted Barclays credit card company in XX/XX/XXXX to dispute a charge in the amount of {$1100.00} that I made to XXXX XXXX. I contacted Barclays because XXXX XXXX  was not responding to my repeated emails to cancel a trip to XXXX that I booked XX/XX/XXXX. I wrote a letter to Barclays explaining that I wanted to dispute the charge because the merchant wasn't responding to me. Barclays acknowledged my letter on XX/XX/XXXX advising they would investigate and the investigation could take 45 days. On XX/XX/XXXX, I received a letter from Barclays stating they needed more information and could not reach me so my case had been closed. They had my cell phone number and I never received a phone call from them. The letter also stated I could reopen the case which I did. I called to find out what additional information they needed. I was told they needed proof that I tried to contact the merchant. I mailed copies of the emails I sent to XXXX XXXX  on XX/XX/XXXX and verified with their rep, Froi that the documentation was received on XX/XX/XXXX. I called Barclays again on XX/XX/XXXX and spoke to XXXX who told me they were still working on the dispute. On XX/XX/XXXX, I received a letter from Barclays stating they could not help me because " we are outside the permitted timeframes to continue this claim through the dispute process ''. The problem with that statement is, " we were outside the timeframes '' on XX/XX/XXXX when Barclays first acknowledged they were working on the dispute. If I had been told that in the beginning, I would have gone back to the merchant and tried again even though I have no confidence that would have changed anything. After XX/XX/XXXX, the opportunity for me to get any kind of refund from XXXX XXXX  had passed. Barclays ' advice in the letter on XX/XX/XXXX was to contact the merchant because they could not assist me any further. Second problem : I advised Barclays in the beginning that I was disputing the charge because I had been unsuccessful at working with the merchant. I'm filing this complaint because two of my friends booked the same trip at the same time and were given credits through their credit card issuers, XXXX XXXX  and XXXX XXXX. I want other consumers to know there are a lot of card companies out there and they should not use Barclays. I have been a customer since XX/XX/XXXX and I expected more.

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 2021-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was attempting to move a home equity line from one bank to another. I show up at closing alone to find my husband 's name on the documents for signature. I was not told he would need to be there to sign. I did not believe he needed to sign, as he is not on the property title or on the existing loan nor do I live in a community property state and my ownership predates my marriage. Bank of America stated that since Colorado is a homeshead state he still needs to sign the deed of trust. My research on the internet finds that his signature is only required in Colorado if I have filed for homestead exemption, which I have not done. It seems to me that they are denying loans not even knowing current law.

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 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo did nothing to resolve complaint XXXX-XXXX  Wells Fargo has had several opportunities to bring my account up to date and they have refused to do so. They simply explain what happened, and then they tell me they transferred my mortgage to another bank. They have yet to offer a resolution, but simply an explanation of what happened. They received documents establishing a partial claims promissory FHA HUD1 note on XXXX XXXX and were supposed to apply the funds from that note to my loan. They didn't apply those funds, and on XX/XX/XXXX they transferred my mortgage to XXXX XXXX. XXXX. As it is now I owe the money for this note at the end of my mortgage, and Wells Fargo has yet to apply those funds to my mortgage which is what they are bound to do by the documents of this note. This has been going on since XXXX and I have made several attempts to get them to post the money from the Partial Claims note to my mortgage and they refuse to do so while telling me they transferred my mortgage.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with QXXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX**** Amount Disputed : {$69.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No:XXXX**** Amount Disputed : {$88.00}

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 explanation
Consumer complaint received 2021-07-13 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing wrongly reported to the credit bureaus a late payment in XX/XX/2021. This account was in autopay and I am including proof of payment for XX/XX/2021. I called them on XX/XX/XXXX and they asked me to send proof of payment to a provided email ( also attached ), which I did. This action has damaged my credit and prevented me from refinance my current home. Also attached is a letter from Shellpoint stating that they received my inquiry, but the late payment has not been removed from my credit. It cost me over 50 points on my credit and unable to refi or purchase another property. The worst part is that this account is already paid in full but the damage of my credit remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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:
I did not authorize this inquiry on my credit 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 2021-07-13 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: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize this inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CT

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX and I do not have a contract with ADVANCED COLLECTION BU plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I was contacted about debt collection by Central Portfolio Control ( XXXX ), XXXX XXXX XXXX. A merchant I dealt with mislead me about their services, then when I disputed it with my bank, they created false charges and sent those to a debt collector as retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc.
State: AZ

Complaint narrative:
I leased a XXXX XXXX XXXX through Tesla Motors, Inc. I have the ability to sell my car to a Dealership under the guidelines of this contract. I submitted a Sell to Dealer request on XX/XX/2021. They emailed me saying they would contact me with further instructions within 24-48 hours. It is XX/XX/2021 and they have not contacted me or the dealer yet with an accurate payoff. I was forced to make another payment on the vehicle because they failed to provide me and the dealer proper information to payoff the vehicle. They have violated Regulation Z 1026.36 ( c ) ( 3 ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Myself, my corporations, my wifes checking accounts and savings accounts were closed after being an active customer with the bank for over 10 years in XX/XX/2019. Many calls were placed to find a reason. Our accounts were not over-drafted or dormant. The representatives stated that we will never be eligible to open an account again. We are not blacklisted on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with AFNI plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: T.S. Holdings
State: UT

Complaint narrative:
IQ Data is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt was reporting but this is just so frustrating. I used to live in XXXX XXXX. They told me that my lease was up and my rent would go up to stay and I had to either move out or renew my lease. I decided it was best for me to leave as their new negotiations were no suitable. So I moved out by the date that they had advised. However, now they are saying that my lease was not up and I moved out before the date set?? I got two very contradictory statements and they never mentioned my lease not being up before I had moved out! I was told my lease was up otherwise I would not have moved!! This is not my error and this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NV

Complaint narrative:
Someone used my identity fraudulently to the tune of {$380000.00} for a COVID stimulus small business loan. I disputed this loan and put into place a temporary freeze until I can come up with a plan to protect my identity ( XXXX, maybe? ). I was told by Experian, once the dispute was settled in my favor, that my previous score would return to its original number within 72 hours ; however, it's still down by 12 points weeks later. 

Also, due to an injury, I had to refinance my home and it took weeks to get my temporary freeze lifted because there was only an automated operator who would cut out and then declare it didn't get the information and then cut out again and decide it was too difficult to go on and hang up on me. On top of all of this, I never received a PIN from Experian to lift my freeze. 

I finally got the temp freeze lifted after WEEKS of struggling with Experian, but I'm worried about my score. Experian has been a nightmare! XXXX  and XXXX  were extremely helpful. Why won't Experian help the general consumer unless they pay {$24.00} a month in fees? 

No paperwork on file- everything ( when I got a person online ) was through chat. It's all " recorded for quality assurance ''.

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 2021-07-13 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 have no a knowledge of this account according to the FCRA This item must be removed

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 2021-07-13 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:
I submitted a valid FTC report to Experian from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.

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