vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I joined Experian as a member. Experian showed my score as a FICO 8 score. I thought it was high enough to apply for financing for a mortgage. The mortgage said my score was much lower. I called Experian and they said that is because the mortgage company uses FICO 2. If I would have known THAT SCORE, I would not have been so quick to apply for a loan. This needs to be more transparent and consistent. Use one scoring model for all financing. I know have inquiries on my credit report simply because everyone is using a different model and not being upfront with what your true score is.

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 2020-04-11 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: MO

Complaint narrative:
I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: MO

Complaint narrative:
I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) 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 2020-04-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XX/XX/2020, I applied for a mortgage loan. I was told I did not have an Equifax score. I found this odd but didnt think anything of it. In XX/XX/2020, I applied for a car loan and was again told I did not have an Equifax score. 

I do not have any other details but would like for this to be fixed. I have no Equifax score or file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: UT

Complaint narrative:
This seems to be the same issue when you guys sued Freedom Debt Relief LLC back in 2019. They have pulled out over {$3400.00} from my checking account and claimed that they " settled '' accounts, when in reality they took the fees to pay themselves first and paid only {$1.00} to {$25.00} to the creditors. At this point I am filing Chapter XXXX Bankruptcy due to this and need those funds back for the services they did not provide/finish. I tried to go another route with a different debt relief company but I am already to much in the negatives. They need to give me back my funds for services they didn't even list. 

Please call or email me at anytime regarding this. XXXX or my cell is XXXX. I am looking at a total of {$5000.00} in damages from them ( {$3000.00} for scam fees and {$2000.00} emotional damages ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: GA

Complaint narrative:
thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter 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 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding LLC claims I owe a debt in the amount of {$950.00} to Midland Funding LLC via XXXX XXXX And XXXX. 

Upon research of Midland Funding LLC, it appears the company IS NOT authorized to collect money or debts in the state of Georgia where I reside. This is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692. 

There was a legal claim against me. I dont know who this company is. Also, 80 % of the submitted documentation has been blacked out. It shows purchasing of multiple accounts from Midland Funding with my information simply added into a different, attached document ; not otherwise related to one another. Also within their Exhibit 4, there is no signature or other proven agreement stating ANY of these are in fact, my accounts with XXXX XXXX, XXXX, XXXX or Midland funding LLC. Additionally, I HAVE NOT BEEN PROVIDED proof that there is ANY agreement between myself and Midland Funding LLC. This is a CLEAR violation of The Consumer Protection Act and the FDCPA. 

The actions from Midland Funding to collect said debt via civil suit, letter, and calls are harassing, aggressive, deceitful, and continuously causing undue stress and constant paranoia every time my phone rings with an unfamiliar number or a stranger comes to my place of residence. Further correspondence from Midland Funding LLC will result in me taking legal action against Midland Funding LLC for violation of the Fair Debt Collection Practices Act, the Servicemembers Civil Relief Act ( SCRA ) ( family member ) and will seek all available damages and remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # 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, MEADE & ASSOC 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. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC 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 MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where MEADE & ASSOC is in compliance with OHIO LAW 1319.12 O.R.C. 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. MEADE & ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: GA

Complaint narrative:
thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter 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 2020-04-11 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: GA

Complaint narrative:
thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX which sxuppously own the debt now, buying my account to Synchrony bank for pennies of the dollars wants to charge me XXXX in the middle of this pandemic situation which Ive been affected and sent my account to a lawyer named XXXX XXXX in New York located at XXXX XXXX XXXX XXXX .XXXX  XXXX .XXXX  WI XXXX toll free XXXX XXXX XXXX/e mail XXXX .please stops this people during this hard time Dont even know at this point if this lawyer is allowed to collect in florida

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 2020-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XXXX I receive a call from Freedom Mortgage as to do a VA IRRRL Streamline Refinance from the Loan Officer XXXX XXXX. We discussed and I had decided then that I would would like to add my wife to the loan. XXXX, told me that was not possible although I knew it was as the VA Handbook describe in what situations can you add and remove individual. XXXX, then stated that he would get her added to title. I was fine with this as it wasnt necessary to add her to the loan but I wanted her on title. As we get tot he end we both sign our Closing Disclosure. We both signed and scheduled closing for XXXX. On XXXX the notary shows up and nothing is as discussed. Everything is show myself as single and nothing as being married. I went ahead and signed because I knew with COVID-19 didnt know when the opportunity would come up again and figured this could be fixed in post closing. I sent an email toy XXXX and a sales manager called me later that day saying he would follow up. I still have not heard anything

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 2020-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I called on XXXX XXXX, to find out how to make my loan in good standing. I was told the monthly payment was {$96.00} per month and the amount to pay to make in good standing was {$2300.00}. This payment was 585 days past due. I received my tax refund in late XX/XX/XXXX and was ready to pay my loan. When going to payoff this past due amount, I saw online that I owed close to {$3000.00}. I had to make another call in XXXX XXXX to figure this out. I was told that my monthly payment was now {$200.00}. And the payment due was {$2500.00} to bring the account out of default. Now we're in COVID-19 season, and I have been communicating with them via email. During the email, I was told my payment plan of {$96.00} ended on XX/XX/XXXX, and reverted to {$200.00}. Why then on XX/XX/XXXX, was I told that it was {$96.00}? Instead of being current 2 months ago, I have been going back and forth with HHLOANS to figure out and understand what has been going on. This has also been affecting my credit score. I never received communication that my monthly payment of {$96.00} was changing. I never received a notification to recertify my payments to keep my payment low. On 2 instances, I got 2 different forms of information. And only when I had to reach out did I get clarification. Also, I paid the original amount of {$2500.00} on XX/XX/XXXX to bring my account out of default, and paid {$96.00} on XXXX. I still owe an additonal {$750.00} to make my account current. That is a major jump and difference to someone eligble to be on a payment plan of {$96.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XX/XX/2016, I purchased a TRAILER online, for XXXX dollars, through my bank, Capital One, from XXXX  ( I've logged a complaint against XXXX  with the FTC ), XXXX shipped me a rubber band, and I disputed the charges. Capital did no research, a simple check of what was ordered then a check of the shipment 's weight would have confirmed XXXX never shipped me what I ordered, they did nothing, and ruled against me in the dispute. I want criminal charges filed against them and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Westlake Services, LLC
State: PA

Complaint narrative:
After reviewing my account and multiple attempts to dispute with XXXX  Westlake Financial continues to report inaccurate inquiries on credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: LA

Complaint narrative:
This account is fraudulent listed below XXXX XXXX XXXX  {$9700.00} XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Global Lending Services LLC
State: PA

Complaint narrative:
After reviewing my account and multiple attempts to dispute with XXXX  global lending continues to report inaccurate inquiries on the credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had approached XXXX XXXX, Home Mortgage Consultant NMLS # XXXX of WELLS FARGO BANK , NATIONAL ASSOCIATION. He claims that he and the bank is not suppose to let the client know about the bank guidelines. They are not suppose to discourage the client from applying an application for mortgage. Why would not tell the customer about the guideline so he or she is aware and make a decision and make is move accordingly. why they want run some ones credit for fun. 
i believe this a wrong practice by the bank for not providing correct information to customers. This lead to denial of my application and wasted my time and i could not explore my other options. i am facing hardship due to this and look for a resolution from the bank. Such consultant licence should be revoked

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 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I called XXXX that's who I got the card from on XX/XX/20 to find out why my balance was XXXX when I had put XXXX on it when on my transactions I found over XXXX transactions from XXXX for XXXX cents until my account was completly drained. I dont understand why this many transactions were not red flagged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/2020 I logged in to the Nissan Motor Acceptance Corporations ( NMAC ) website to look at possibly paying off my car loan. After logging into my account I immediately noticed that their website indicated my account was past due. My next due date was XX/XX/2020. I have never been late on a single payment with NMAC and have never received any communications to such effect. I looked through my payment history provide by NMAC on their website and their records confirm such statement. I logged into my account on XXXX  XXXX XXXX and verified my payment for XXXX processed on XX/XX/2020. Then how is it that my account has showing past due when the due date hasn't passed. When I called NMAC to inquire, the response I was given was " oh that is how our system works, because we haven't received your payment yet, in anticipation of your due date passing our system shows your account past due. '' When I pressed harder I was advised by the agent on the phone that there was nothing she could do about it. So NMAC is making an assumption that my account will be passed due even though I always pay ontime or before AND they have no idea that my payment is actually in the clearing house processing. This is an egregious misrepresentation of the status of my account. 

This is fundamentally WRONG, working in the financial services industry I first hand know that you can not represent an account past due until such time as the due date has passed AND no payment has been received. In the current environment as a result of COVID19 actions such as this would push many people over the edge. 

I have attached screen shots from NMAC of my account status and payment history, as well as a screen shot from XXXX  XXXX XXXX showing my payment had been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I got a federal student loan for the University of XXXX. I graduated in XXXX. I paid on the loan up to XXXX when I filed for bankruptcy. Between that time and XX/XX/XXXX I filled for a forbearance. The original amount owed was around {$40000.00}. I got the Student Fed loan consolidation on XX/XX/XXXX. Between then and now they are saying I owe {$100000.00}. I have requested a copy of any documentation at the time of loan origination. The credit report at that time. Also on XX/XX/XXXX the addition of {$31000.00} to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
In XXXX I applied for a credit card but unfortunately, I had technical difficulties and had applied over 8 times to two cards. I called them they said they said they understood and approved me for the freedom unlimited and would take the dings off my account. When i called back a week later to see where my card was they acted like the first call had never happened. My score has still been affected, i do not want the card anymore i just want my credit score back

Company response to consumer: Closed with explanation