vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I contacted Portfolio Recovery Services by phone about about 3 months ago and asked them to please tell me where this debt had come from gave them my new address and they failed to do so. I sent them an email after not hearing from them they failed to respond. I sent certified letter to portfolio recovery with request to validate debt and they failed to do so. I called Portfolio Recovery again and spoke with supervisor finally named XXXX who told me I needed to file a complaint with you guys. This company has failed to send me any proof other than a letter stating they purchased account from XXXX XXXX XXXX. No documentations of signatures recorded voice of me making this debt or anything that confirms the debt belongs to me please advise thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-10-15 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, AmeriCredit, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
on XX/XX/2020, i sent dispute documents to Transunion and XXXX   regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was at the gas station I try to use my chase bank card for gas. It was declined so I called the bank and the Bank told me your account will be close until further notice we already cancel your card. I never received any notice from them stating my account will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: AZ

Complaint narrative:
Experian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. 

The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. 

In reviewing the attached screenshot all will discover that is an outright XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin. 

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: AZ

Complaint narrative:
I refinanced my mortgage with Better Mortgage Corporation several months ago. One of the reasons I chose Better Mortgage is that Better promised to give the borrower {$2500.00} XXXX XXXX statement credits between 8-12 weeks after the closing of refinance. My refinance was closed on XX/XX/29 and it have been over 15 weeks and I did not see any XXXX XXXX Statement credits. Contacted Better a couple of times to inquiry about this, and reply was 'it has just processed ', but apparently it is not happening so far. I can only hope Better would deliver what was promised to the customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is not a duplicate complaint but a question ; what are the reasons Chase denies fraud? Chase merely states " account is valid and reporting correctly ''. But what are the reasons? After 3 years, I have yet to receive explanations why fraud is denied. I filed sheriff 's reports and FTC identity theft reports. After 3 years, the only explanation I received was Chase called a phone number that wasn't mine but the thief 's and then apologized if I provided a different number.?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: General Mortgage Capital Corporation
State: CA

Complaint narrative:
Complaint against Gmccloan There are no direct numbers to contact a manger We have tried reaching several times We were trying to refinance our property between XXXX and XXXX XXXX The brokers involved have increased our loan amount ( fraudulently ) On investigating the broker let us know that thats how they do business On further invitation from us we figured out that they have misled us To begin with the loan amount did not match the actual loan amount The actual Loan amount was {$440000.00} ( mail and text reference to the broker ) Their paper work Revealed that she stated on the paperwork At {$440000.00} During closing ( if we had signed ) The pay off amount was {$440000.00} She still insisted that the new loan will be for {$440000.00} Came up with a story of how it took close to 90 days. Now for any person If that was true {$440000.00} is not equal to {$440000.00} And {$440000.00} is not equal to {$440000.00}. 
Kindly help us and others so she does not do the same to other customers When asked if we will get a credit she was unable to explain and started yelling at us The broker involved uses XXXX discriminatory words This company is defrauding the customers by increasing the loan amount and starting the loan on falsified amounts as well. On our repeated requests to them they did not produce the paper work, finally yesterday before the intended closing the numbers were not matching up, the broker was not ready to resend the paper work back to the underwriting firm, We requested her to repeatedly connect with her superior she ignored the request. On calling the Escrow office it was confirmed that they take the numbers from the broker she alone is responsible for the incoming numbers.

GMCC Loan Brokers Involved XXXX XXXX ( XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX Direct Number : XXXX XXXX XXXX NMLS : XXXX XXXX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MI

Complaint narrative:
Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the XXXX they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to Transunion, XXXX and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the XXXX inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent Transunion and XXXX  letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
on XX/XX/2020, i sent dispute documents to XXXX  and Equifax regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. Capital One Auto Finance/ Capital One placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. Capital One could have used the first inquire as it remains available in the system for 30 days. I was preapproved through Capital One  and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The reason why Im writing is Im getting tired of calling the representative are very rude and I have everything recorded on my phone for proof. Im XXXX  currently and I do not need this stress I have had two XXXX  back to back. My account is showing past due and a late fee that is not correct I was place on a special payment which I sign and faxed over. My payment was made on time of the correct amount of  {$98.00} on XXXX per the contract I even called and recorded the agent stating I made the correct amount on the due date. The other amount was {$140.00} per contract to start the next payment being {$98.00}. I did exactly what I was supposed to do per contract and it showing a late fee of {$15.00} and a past due {$140.00} amount that is breeching your contract and I will take you to court if my account isnt fixed to reflect the correct amount of {$240.00} due and no late fee. Thank you for your time. Have a wonderful day! Be safe!

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 2020-10-15 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: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
Customer Service : I am writing this letter to request help with obtaining an overpayment from Acura Financial Services. I recently was blessed with a financial gift to pay-off my car. The financial gift was more than the final pay-off ( See enclosures ) ; it was an additional {$2000.00}. I contacted Acura Financial Services before sending the pay-off and was told, it would take a week and a half before I would receive my overpayment. After that time passed, I contacted customer service. I was told that the check would be held to make sure everything was  Okay and the overpayment would be sent out on XX/XX/XXXX. I told the lady it was a cashiers check, which is cash, so why would it need to be held. She indicated she would send it over to another department for review. I asked for a supervisor and was told it would take 24 to 48 hours before I could speak to a supervisor. I called back after 48 hours  and spoke with XXXX and she pretty much gave me the same run-around, but she did say that the check had been mailed from Texas. I asked her if I would still receive a call from a supervisor and she said the supervisor would tell me the same thing. 
Shortly thereafter, I received a phone call from XXXX ( Supervisor ) and he told me the check was mail on XXXX the XXXX and it was coming from California, but he could not determine the mail time frame. Now understand, I received my title a week and a half after the car was fully paid off on XX/XX/2020. The title came around XX/XX/XXXX. 
I am now requesting help to obtain my overpayment of {$2000.00}. I feel as though Acura Financial Services hold individuals overpayments for their purpose ; to increase their profits. 
This should be investigated for all consumers if this is an ongoing practice. A cashiers check is guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Erroneous, damaging information was not removed from my credit file. XXXX, Transunion, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Erroneous, damaging information was not removed from my credit file. XXXX, XXXX, Equifax did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

Company response to consumer: Closed with explanation