vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: ID

Complaint narrative:
Applied for a project loan through Home Depot in XX/XX/2021 for a window project. the loan was good for 6 months, so the project had to be completed prior to that. the project was completed, and Home Depot representatives never completed the loan charging process, and now expect me to either pay the difference, or reapply for another loan. they could just call the finance company and explain what happened, but they refuse to do so. I had spoke with at least 5 employess over the course of the past month and they all acknowledged that they seen the project loan in the system, yet no one chose to proceed to bill the project loan that the job was complete. All I want home depot to do is honor the original loan agreement which was for {$7800.00} I believe, instead of making me have two loans due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone First Mortgage, Inc.
State: TX

Complaint narrative:
I have been under contract to sell my home for almost XXXX  months. The buyer was using Cornerstone First Mortgage for their loan. At XXXX, the night before we were under contract to close at XXXX the next morning, the mortgage company requested a foundation, plumbing, and roofing inspection. All three inspection reports had been available for over a month, but they waited until less that XXXX hours before closing to request that information. I agreed to extend the closing another week, even though it was a huge mistake on their part. We received nothing from them, no returned calls, no documents, nothing... They wouldn't return phone calls, texts, or emails until after XXXX the day of closing to say that underwriting was still reviewing and requested it be extended another week. Now we are at the day before closing the 2nd extension and still nothing from them. They ignore repeated attempts to contact them by phone, email, or text. This incompetent mortgage company has now put me out of contract for the home I was set to buy. They have greatly impacted my personal and professional life by repeatedly extending and not responding and they have cost me hundreds of dollars for movers and storage facility fees. The title company has stated that they have never seen such unprofessionalism before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I reviewed my credit report and found a collections for XXXX XXXX XXXX. I disputed the account with the credit reporting agencies and XXXX XXXX sent me a letter home sending documentation that included two statements from Synchrony Bank with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either XXXX XXXX nor Synchrony Bank ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from XXXX XXXX  for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from XXXX XXXX the forward-flow agreement they signed with Synchrony when they purchased said alleged debt. 

I also request XXXX XXXX to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price. 

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be zeroed out, and deleted from XXXX XXXX 's systems as well as Synchrony Bank, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MA

Complaint narrative:
I XXXX XXXX am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion XXXX XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myTransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: MA

Complaint narrative:
I XXXX XXXX am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX Capital One sent an email indicating that they were restricting my Capital One 360 accounts until they could verify recent activity and that they may contact me to confirm this activity. The email also indicated that based on the results of the review the accounts may be closed and the balance plus any interest earned would be transferred to my linked external account. On XX/XX/XXXX I called the number listed on my online account and spoke to a customer service representative who informed me that Capital One had decided to terminate my banking relationship with them and was closing the accounts but could not provide any additional information due to an investigation. She said that someone would contact me within 2 business days to provide more information. I contacted Capital One again on XX/XX/XXXX after I didnt receive a call and was automatically routed to a voice mail for Capital Ones Customer Protection Resolution Team due to the status of my accounts and I left a voice mail with the required information ( including account numbers, callback number and name ) expecting a call back within 48 hours as stated on the message. On the same day, I sent a letter to Capital One requesting that someone contact me regarding my accounts and the next steps. I have called back four more times since then and have left multiple messages requesting a callback to no avail. I have also sent another letter on XX/XX/XXXX to the address provided in the email for the Customer Protection Resolution Team with delivery confirmation and have found that the letter was automatically forwarded to another address and has yet to be delivered. At this point, the original balance on the accounts as well as funds from a wire transfer that I was unable to cancel remain frozen on the account without any further communication ( verbal or written ) from Capital One. I have had two out of the three accounts currently locked since XXXX and never had any issues so Im not sure what prompted the investigation or lack of response from the bank. Since I am unable to speak to a person ( I went to one of the branches and they told me to call the same number I have been calling all along ), I would like to file a formal complaint against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/2022 at XXXX, I had contacted PenFed customer service regarding my PenFed Gold credit card ending in XXXX. I spoke to a customer service representative XXXX about my account such as the current balance, pending charges, credit line, and credit limit. I asked her about my savings account that was required to opened the credit card. She said that everything on her screen was deliberately blocked and had my whole account into permenently ineligible. So I asked if she can speak with someone from the Fraud Department and the person she spoke to is XXXX. XXXX work for the fraud department and she refused/ignored to give her full name and position but also put in request to close my account today for whatever reasons she did not disclosed. I had given the company all/any mandatory requirements they had asked me before granting me the card. XXXX also told the customer service rep to tell me that I will received an explaination on the mail about the issues. The company said that I owed {$64.00} which I agree to pay by mail to cover the charges that I used on the credit card. They was also giving me a hard time about the address where I can send the payment and also told me when they close my account, I had to contact the credit bureaus and explain the reason why my account was closed even though it was not my fault in the first place. 

The company PenFed had given me the " Absolute Approval '' then they had a second thought about it so decide to the close the credit card including the saving account that is needed to activate the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 any of these inquiries it was application submitted without my knowledge : XXXXiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  As Follow Below : has violated my rights. 
15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: DataMax Corporation
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX As Follow Below : has violated my rights. 
15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA is a bunch of thieves. I have had a BOA credit card since 2015. Prior to that I had a car loan that I paid off. My consumer credit score is XXXX. I pay my credit cards off weekly for the most part. Since having the credit card I have paid just over {$470.00} in interest. It is a rewards card that pays me cash back. Tried to use my credit card last week, but it was declined at the register. Thought it was the XXXX machine issue so I gave it no thought at the time. Logged into the app on my phone. No notice of any issues from the BOA. Received a letter in the mail that the card was canceled by BOA. Called to find out why, the person at BOA said they do not need to tell me. I Asked to speak to the manager, but they said they couldn't transfer me. That person was the last one I would be able to speak to. I asked to use the cash back of {$82.00} in my account to pay down the {$450.00} bill, they said no. Once the account is closed, I have no access to the cash back I earned. Horrible company. Guess they didn't make enough interest in me so they closed the account and stole the {$82.00}.

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