vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Transunion also violated the following federally protected rights and I sent Transunion an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 
15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
I am currently working on a Refinance started in XXXX. It is now XXXX and we have submitted and resubmitted several requests for a Subordination to Novad who is handlilng the servicing for the FHA 2nd. They have confirmed that they have escalated and on several occassions given us a timeline for response and then nothing. This is going on 3 months and is obstructing my ability to obtain financing and improve my financial situation. 

Title as well as the New Lender has reached out to XXXX and been directed that Novad is the one that will handle and they have confirmed that they received the latest XXXX package XX/XX/2021 and would be sending the Subordination Out that week in return. It has now been another 2 weeks and still nothing. Title calls and emails ever day and the same response, 'we 're working on it " I am a veteran and this is exteremly disappointing that a company can impede and obstruct my ability to refinance my mortgage in TX for this long. I am hoping that the CFPB can help find me resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are two Bankruptcies on my report that are incorrect please remove. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates tried to sue me in 2015. The suit was dismissed in court. However they have for several years since, tried to contact me several times, by phone and by letter, trying to get me to pay the debt. I have asked them several times to stop contacting me and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
Received phone call from Dynamic Recvy XXXX, stating that I owed a debt to XXXX for XXXX They had my current address and the supposed date of when I opened my account with XXXX. 

I explained I dont owe anything to XXXX XXXX Man on the phone started getting upset with me when I told him this. Said I was basically lying and running from my debt. That I should just pay the debt. I said no, I will not pay anything that I do not owe. 
He said I could go on a website to pay and it doesnt have to be over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Conn's, Inc.
State: TX

Complaint narrative:
Keep calling my phone and having unknown people coming to my home and just threading me on a regular basis.This company is call XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: PA

Complaint narrative:
We had to file a bankruptcy in XXXX of 2021 and I had kept my vehicle I still made my payments on time every month still up to this day and because I did not sign a another form they had sent me they dont report that I make my payments though they report that I do not make my payments to the credit report making my rating a negative result when I pay them every month now I feel that I am paying them every month they should not be able to report negative reports on me if anything dont do nothing I am paying on time every month it is not fair and it is not right for them to do this you will find a copy of my check for XX/XX/2021 I sent them for my payment that they have on the credit report as a negative payment so you will see the false information they are giving to hurt people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted XXXX, Experian and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my XXXXredit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax makes it difficult and inconvenient to manage credit freezes. 
I did not have any issues with XXXX or XXXX, but Equifaxs website said there was a problem ( no other explanation ), and asked me to call their toll free number during certain hours. 
The hours are limited, and ultimately the automated phone service was able to lift my credit, but it took time and there is no reason why this automated phone system is not in service 24-hours a day. 
The next day my wife needed to unfreeze her creditshe got the same error on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want to come out of forbearance with SPS Mortgage Servicing. We requested a trial modification at a reduced mortgage monthly payment. SPS offered a trial modification of XXXX monthly payment beginning on XXXX ending XX/XX/21. We requested detailed information from SPS concerning the mortgage modification to better understand what is the right choice to keep us in our home of 35 years. We have no other home but XXXX XXXX XXXX XXXX , Ca XXXX XXXX. SPS refused to provide us with a workout solution for a mortgage modification. We contacted SPS notifying them we must have detailed loan modification documents if we are to proceed as fully informed mortgagees, SPS refused to provide this information and told us to complete the trial modification from XX/XX/21 to XX/XX/21. We made every payment on time for the full amount they established as our new loan payment. Yesterday XX/XX/21 a document from SPS discharging our mortgage loan and the new mortgage is not a mortgage but a Lien and enclosed are the details of the Lien on our property and outlined repayment plans. ( Documents enclosed ) The lien repayment plans continue payments at the same as the trial mortgage modification cutting the interest rate from 4.5 % to 2.55 %. After a year the interest rate steps up and the monthly payment increases respectively increase. The first year is 2.554 % for a year, Months 13 to 24 increase to 3.054 %, 25 to 36 months 3.554 %, 37 to 400 month 4.023 % These are not in good faith a modification. SPS also requires a balloon payment of XXXX at the end of the loan. This is a fraudulent action of bait and switch where SPS gives us no relief, manipulates the numbers, and makes even more money. I am XXXX and this is taking a toll on my mental health and physical health, This is not a negotiation this is manipulating the historically predatory nature of companies taking away the ability to stay in our home and create wealth. This is unacceptable, unfair, and does not help us at all. XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX, I trusted this company with that law and rights when agreeing to get this vehicle. I was told that I had to put down XXXX to move car off lot. According to 15 U.S. Code 1662 this company has valid this law. On XXXX XXXX I called the company and ask did they participate in the TILA and stated the law and my rights and to resolve issue in a professional manner. Customer representative stated that I read the law wrong and she proceed to put me on hold, when representative return back to call she then hung up on me. I then called back and spoke with another Customer Representative and stated the law and my rights back to him, his response was I'm not a lawyer so I wouldn't know anything about that. Per federal law finances also includes insurance under code 15 U.S. Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge. 
( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted transunion and unfrozen my credit report I waited to ask XXXX XXXX for a installment loan the following at and was denied because transunion credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent Equifax a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded by mail stating XXXX had verified this information for them but failed to add a verification date to their report as required by the FCRA. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent XXXX ( please see attachments ) another certified letter on XX/XX/XXXX which they received around XX/XX/XXXX XXXX showing them proof that XXXX XXXX their identified source, ( see attached documents ) had removed the unverified bankruptcy from my report and informing them that if they could not truthfully and thoroughly verify the alleged bankruptcy, then by law it must be removed from my credit report according to the FCRA XXXX On XX/XX/XXXX I received a letter from Equifax ( please see attachment ) still insisting XXXX was the source of their verification even though I had shown them proof XXXX invalidated their information. Furthermore, once again their alleged reinvestigation DOES NOT show a verification date because they DID NOT do a thorough reinvestigation - another clear violation of the FCRA. 
This unverified item needs to be removed from my credit report immediately as it is illegally reporting and causing me financial hardship and impeding my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have received a letter from the bank. It contained the name of the person to contact to unlock my account. I have the court document that the account belongs to me. But the person for me to contact does not answer the phone. He has a voicemail that does not work. He has no email address available. Local bank manager does not know how to help me. I have all the proof, the legal document. No one in the bank knows how to help. The Client Resolution Specialist doesn't exist. I can not access the money in my account. It has been over a week since I found out Suntrust ( Truist ) blocked my account.

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 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have XXXX fraudulent account being reported on my consumer reports to the credit reporting agencies i need those XXXX accounts from LVNV Funding removed from my consumer reports. When i asked for validation not verification there is a difference all i got was statements which doesnt validate the debt i have attached an FTC REPORT i need those accounts removed from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
This is a complaint against timeshare XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The people we dealt with or were involved with this were XXXX XXXX, XXXX XXXX, XXXX XXXX, all claimed to not work on commission. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up. We were told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for us but was not approved, they never gave us a copy of the application and were not properly educated of the fees involved. Everything was rushed especially when they didn't even gave us ample time to read through the contract and understand it's contents so we can be fully aware of the contents of the agreement. They also used threatening statements such as ruining our credit and possibly go to jail. We weren't properly informed how to cancel. Though they informed us how many days to cancel and we were able to send cancellation request but obviously it was never cancelled. We have copies of communications sent to them. We felt we were profiled, we were XXXX y/o at the time and we feel like our age were taken advantage of. We experience stress because of this timeshare, sickness, headaches, can't sleep, stopped going out due to fear and given our age, it just doesn't help plus the medical condition we're dealing with ( XXXX ). Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Hello On XX/XX/XXXX and XX/XX/XXXX XXXX was deducted from my account. There was an issue of the seller being fraud-lent. Notified pay pal on several occasions they did not help me. Attempted to contact seller but was blocked from communication. Could you please assist me with this matter? Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
XX/XX/XXXX ally bank froze my checking account number XXXX my direct deposit went into my checking account and I had {$2200.00} in my account from checking and savings, ally bank told me the account is under review to determine who should keep the funds. They told me on XX/XX/XXXX that ally bank has decided it would benefit the bank to keep those funds so the account will be closed the funds available in the account will be transfered to ally banks genetal funds account, they told me if they want the money they can keep the funds and don't have to return them if they don't wish.

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