vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from Midland Credit planning on law suit for the credit debt from XXXX-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

XXXX 's the well-known XXXX has a credit line opened with XXXX XXXX  which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to XXXX and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, XXXX XXXX  didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from Midland Credit. As per the information provided by XXXX, the Midland Credit took over the debt on XXXX of this year which is still during the pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I took out a short term installment loan with CashNetUsa to facilitate a small emergency. I In order to avoid excessive fees, I attempted to pay the loan off early, by debit card, the day before the first installment payment was due. I chose " Pay off outstadning balance '' option and made the payment. However, their website is dilibertly decitful in making the customer think they paid off the then loan when in fact they didn't. The pay oustadnding balance ( which all consumers would agree means the total loan balance due ) is not the total loan balance due. They calculate the payment with the CAB fee, and do not include the full principal, so your actually left with one more payment PLUS interest PLUS another CAB fee, even though in the contract it specifically states that if you pay the loan off early you avoid other CAB fees. They are dilibertly misleading consumers by using the term " Pay Off Outstading Balance '' so that conumsers think they are paying off the loan early and saving on the CAB fee, when in fact they have a small principal amout left, which will incur more interest and another CAB fee. For example, I took out an installment loan for {$800.00}. The day before the final payment, I choose " Pay Off Outstading Balance Option '', and paid {$820.00}. When you make the payment, there is no breakdown on the screen that shows what portion is going toward Principal, Interest and CAB fee, its just one lump sum that is auto-populated by the system. After making the {$820.00} payment, my account still showed an ACH for {$150.00} due the next day. Thinking this was automaticly done by the system, I contacted CashNetUsa via their chat option, and requested the ACH be canccelled. They confirmed and cancelled the ACH. If I had not logged back into CashNetUsa, I would not have knonw that the account was not paid in full. Once I logged back onto the system, I saw the same amount of {$150.00} to be ACH drafted in two weeks. I contacted several different members via the chat option on the website to ask why I still owed a balance even though I picked " Pay Off Outstadning Balance '' option and paid with a debit card the day before my first payment was due. All the customer associates I spoke with repeated that I still owed {$150.00} but would not tell me why I owed this amount, even though I picked " Pay Off Outstanding Balance ''. Until I examied the reciept I recieved from email did I not realize that the " Pay Off Outstading Balance Option '' did not include the full principal and none of the customer asstiance associates explained this as well.This is a flat out deceptive practice aimed at generating more interest and CAB fees from Users.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX XXXX. I applied for an unemployment deferment and it shows 90 days late.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX  degrees. I applied for an unemployment deferment and it shows 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX  degrees. I applied for an unemployment deferment and it shows 90 days late.

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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Boone & Associates Group LLC
State: NY

Complaint narrative:
XX/XX/2020 - Called my parents both at home and my mother 's place of employment. Threatened to sue me and take me to court, file garnishes against Social Security, etc. if a return call was not immediately made. They claim to have papers ready to file in reference to an outstanding loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported  to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and  collection agency will be appreciated under the current circumstances. 
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 2020-09-17 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-09-17 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I am a veteran who has a current VA loan with Freedom Mortgage XXXX this company bought my loan from J G Wentworth ). I have never had a late payment with Freedom Mortgage.I began receiving solicitation from Freedom to take advantage of the IRRRL ( interest rate reduction refinance loan ). In late XXXX I called and XXXX took my application. Email correspondence began in XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX ) XXXX.I have sent emails to him beginning XXXX XXXX and 6 other emails to XXXX XXXX with the last one XX/XX/2020. In addition, I have record of 5 voicemails. XXXX XXXX is very slow to return calls and emails. Whenever I have been asked for a document I have responded within 24 hours. The exception is a letter from me granting permission for the lender of my HELOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) to request a credit report. I have explained that AFCU does not require a credit report. I have explained this via email at least 5 times. I believe Freedom is speaking with the wrong XXXX XXXX. I'm told my loan now at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She has twice asked me for the same letter in her emails.I have explained the above to her.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Account # : XXXX I have disputed this account information as inaccurate with Equifax . I have not received a response from Equifax and I understand the FCRA requires credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This report and complaint is directly to EQUIFAX one of the 3 major credit companies.

A re investigation on Account # XXXX XXXX Incorporated, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX   XXXX  NY XXXX phone ( XXXX ) XXXX was disputed and supposed to be removed from EQUIFAX credit report.. however the disputed and removed item is still shown on myequifax credit report. XXXX XXXX, is showing the debt is removed however on myequifax the debt is still being shown. Either equifax needs to update their systems or something shady is going on!! Its my right to have whats lawfully on my credit report, i want this to be fixed asap. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are  posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all  credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$800.00}

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 2020-09-17 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$800.00}

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 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: OH

Complaint narrative:
I paid off the loan XX/XX/2020. 

I called XXXX XXXX to learn my title was just requested for release. However, it one month since unpaid off and I can't get answers about the where abouts of my car title.

Company response to consumer: Closed with explanation