vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care credit charged promotional interest. I spoke to a care credit rep and explained my COVID hardship and that my mother had pass. She said I could call back and care credit would waive promotional interest. Well I got another rep and she told me it could be waived. I asked for manager and it just got worse. No one helped. One manager said she would pull the tapes of me and the first rep speaking. Remember I requested this investigation. Well lo and behold when care credit called to tell me they would honor the waiver of the promotional fees for s one time only request Was the day the phone disconnected. The operator spent more time saying she couldnt hear me then telling me I had one day to pay., so I didnt get to hear the purpose of the call and the manager didnt call back! I had no return number. She didnt follow up. When I got thru the next day the rep said she see the notes, she sees that the phone was disconnected but unfortunately that offer was for one day only. This is unprofessional and unscrupulous behavior. To note account that the phone disconnected, to not call me back to say I had one time to pay. And to know I had no call back to the manager that decided to allow me to pay balance without promotional interest is a conspiracy. These managers get together and represent CareCredit in the most disrespectful way that words cant explain. The tapes say it all and one day they will be fired!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-25 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-10-25 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX. XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NJ

Complaint narrative:
I am filing this complaint because XXXX, Transunion, and XXXX have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25 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: NJ

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NJ

Complaint narrative:
I am filing this complaint because Experian, XXXX, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
This complaint is in response to lack of recourse from an ATM deposit made on XX/XX/XXXX in the amount of {$1900.00}. A deduction in the same amount was made on XX/XX/XXXX. Furthermore, a overdraft fee was levied on XX/XX/XXXX in the amount of {$35.00} and a maintenance fee of {$15.00} was levied XX/XX/XXXX. 

This incident is a repeat occurrence from a deposit back on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-25 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NJ

Complaint narrative:
I am filing this complaint because Experian, XXXX, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I am homeowner in XXXX XXXX XXXX for over 30 years and looking to purchase a second home. Last week went to XXXX XXXX everyone there was extremely helpful and professional. 
I was Directed to start the Pre-qualification process with CrossCountry Mortgage and submitted the documents and application on XX/XX/20 on XX/XX/20 received an email for the loan officer that we did not quality there is a score XXXX and was informed scores were low. There is a huge difference. responded to the email and called. Basically they said we have to fix this and resubmit the paperwork. I contacted the bureaus and requested corrections and they will fix this. What it was the worse thing that this company expressed We have to be very careful what kind of customer we approved to live on the community to me this gentrification this illegal and lacking Diversity, Equity and Inclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
A complaint was filed on XXXX with regard to a student loan debt. NAVIENT replied on XXXX through this site and via USPS. in there response they were documents that had a electronic signature, but nothing was provided that had both parties name on it to constitute a contract or that full disclosure was provided upon the alleged contract. after this a letter was sent certified mail to NAVIENT XXXX XXXX. I have not heard a response to this inquiry. In this letter NAVIENT was given 14 days to respond and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NC

Complaint narrative:
I am filing this complaint because Experian, XXXX and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had been trying since the XXXX to open an account with them. Though I had never heard of them, I decided to give them a try since they are backed by BBVA and they offered free Business Checking.

I worked in XXXX  for 8 years and I know that they shouldn't be making assumptions when a person provides the information requested. I do understand that at times additional verification may be required but when it is and it is then backed by valid evidence, what is there left to assume? Therefore I sent the following email this evening after receiving another email saying that my actual office lease contract was not sufficient to prove my business ' physical address despite that being exactly what was requested as proof, " At this point ( NAMED EMPLOYEE ) and team, Your practices would seem a bit discriminatory in nature. All the information that you guys have asked for has been provided in detail previously. You should be able to see from any search that ( MY BUSINESS NAME ) is listed at the address provided, well established, and per the actual detailed leasing agreement that I sent over to your team, I do actually lease an office, just as I am sure XXXX and even BBVA themselves lease an office or facility.

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( likely an office building owned by a company where other businesses typically lease office space ) If it were a mailing service, at least with what I myself am accustomed to, it would not have a suite number but perhaps a floor number or simple address ... Seeing that it has been days, I would like to retract my application. Please delete any and all of my information as my request is now being fulfilled by another financial institution. XXXX, nor its affiliates or partners have my permission to use any of my information outside of due process in retracting my previous requests made. Thank you in advance. "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: FL

Complaint narrative:
DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else

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 2020-10-25 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: NC

Complaint narrative:
I am filing this complaint because XXXX, Transunion, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2020-10-25 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: NC

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
1. We received incorrect guidance from the Loan Officer ( LO ). Hes supposed to know Lenders guideline and advised us correctly. I only have a business bank account, money in and out and I didn't want to provide bank statement. The LO confirmed several times that bank statements are not needed when I can provide Profit and Loss statement from my CPA. We would not submit the loan to him if he answered differently. Near the end of the process, the lender asked for bank statements and refused the loan. 
2. I submitted the loan application on XX/XX/XXXX, but the LO didn't submit it to the lender until two weeks later. I didn't hear anything from the lender until late XX/XX/XXXX - request documents for conditions, when the lender refused my loan application at the end of XXXX. The builder said it took too long for me to get a loan so they canceled the contract without refunding the deposit money, even though I and my Realtor were going to submit a loan application to another lender right away. 
3. The LO didn't understand the process, locked the rate too early, and promised a rate/fee. Then said that we could close on-time before the rate lock expired XX/XX/XXXX. We didn't receive request for documents until XXXX XX/XX/XXXX, the LO said if I could provided all required documents by the end of that weekend which was XX/XX/XXXX, he could close the loan on-time which is wrong. There is a process of Loan Estimate, Initial Closing Disclosure then Final Closing disclosure which is at least 5 days, he would have to extend the rate ; also after I provided several items, there were more and more requests from the lender. If I was going to close the house with this lender, I will have to pay a very expensive extension rate due to the negligence of the LO. Please see attachment for more information. He never disclosed when he locked and when the rate lock expired until my realtor found out and it was too late. He locked too early while the lender was too slow then quietly sent me a Loan estimate which has higher cost and told me that was extension fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: OH

Complaint narrative:
T

his is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you f ail to comply. I am a litigious consumer and fully intend on pursuing
litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION 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 explanation