vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- -XXXX XXXX account # XXXX -- XXXX XXXX account # XXXX -- XXXX XXXX XXXX account # XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IN

Complaint narrative:
Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.

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 2021-04-09 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: IN

Complaint narrative:
Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank-PAY PAL issued me a credit card inXX/XX/XXXX or so. As part of the credit card terms, I enrolled in a card insurance protection program, that, in the event I ran into a problem paying my card in full or making payments, will cover the payments for me. I paid about {$400.00} dollars, I believe added to my card balance, for the insurance. In XX/XX/XXXX a change in my job cut off my overtime hours, and I was unable to pay for the payments, I called Synchrony bank to let them know, and for the insurance I had purchased to be triggered. After a couple of times that I was called again by the bank, for lack of payments, and I again told them I had bought insurance and I could not make the payments, they finally said that the insurance company needs to handle this claim directly. It was difficult to obtain the information to contact the insurance company, almost as if synchrony bank did not really know where this information was. So I called the insurance company and tried to file a claim with them. They rejected the claim twice, always asking for more information : more bank statements, or pay stubs, or letters from my employer showing my income was reduced etc. but it was never enough. Finally, the last time I submitted paperwork, I did not hear from them again, or Synchrony, so I assumed it was taken care of. Until it showed up in my Credit Report as a charge off. At that point, I submitted a dispute with the credit Bureaus, XXXX XXXX etc. On the bases that, where I don't dispute some of the balance-minus the fees/interest/and insurance charges-I dispute that I owe it, since this balance was supposed to have been covered by the insurance I bought. Synchrony refuses to acknowledge this detail, and insists I owe this, and all I get from them, after every dispute with the credit bureaus, is sending a last statement to my home. Nothing about the nature of the dispute, the insurance they sold to me, the insurance that did not pay them for my claim, or the fact that I have disputed this 3 times. Now they are suing me in court, by lying that I have never complained about the balance or the debt. There must be records, that they have to come up with, not me, that I called, and I asked them to close my account, and requested the information to file the claim with the insurance. I tried fixing the problem with Synchrony in a timely manner, I tried with the insurance company, i tired with the credit Bureaus, and I have done all I can to provide what I had to file my insurance claim.

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 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX someone was using my cash app to send themselves money somehow wether my phone was hacked card was hacked or a friend was doing it family me never whatever the case I releaized on the XXXX that I was missing funds. So I called the bank immediately and put my claim in A couple weeks Pryor the bank had sent me a suspicious activity notice and shut my card off but I was on vacation with my girlfriend in an area I normally wouldnt be so I just assumed that was the reason for the stoppage and didnt think any big deal about it well turns out that that was bxc of the transactions on my account which I told them I did that well theyre saying bxc it started the XXXX and I didnt submit the claim until the XXXX that was there reason for denying my fraud claim when k was upfront honest and just needed my bank to protect me and refund my money I cried to them on the phone bxc that Im is the most bogus decision Ive ever heard I had them reopen my case I URGENTLY NEED HELP IM RUNNING OUT OF FUNDS AND IDK WHAT TO DO THE CLAIM IS FOR XXXX that might not be a lot to Bank of America but thats everything to me and I have to have my money back

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rauch-Milliken International, Inc.
State: MA

Complaint narrative:
I signed a contract to use a virtual office mailbox with XXXX. The contract is for {$49.00} per month. I started the contract in XX/XX/2020. I paid {$49.00} for the 1st month which was XX/XX/XXXX and was billed {$98.00}. I was then billed {$49.00} for XXXX and I paid {$49.00}. The next invoice I received had new charges for additional services, forwarded charges, accelerated charges and late fees. 

I contacted XXXX and they stated that I contact Customer Service to get the invoice charges corrected which they gave me a credit note that was never applied and still did not completely reverse all charges but added them to a new invoice plus late fees. I was told that they were not going to be able to correct the invoice until I brought the account current. I argued that the charges were not valid and they were aware but demanding payment and then correct the invoice is still having me pay for erroneous charges. I told them that this was a deceptive practice and that I am being extorted for money because I do not owe what they are stating. They continued to send accelerated invoices with fees and then had a posing attorney 's office reach out to me demanding {$870.00}. 

I contacted XXXX XXXX who posed as an attorney and I let her know that if she look at my contract there are charges that were added to the invoice that were not requested and I spoke with the customer service representative in XXXX to have her correct the invoice before I make a payment because they were demanding payment on something that was not correct. They were doing this knowingly. I have been threatened with legal action and to have a collection agency collect this debt however, this money is not owed to XXXX. I told them that I am more than willing to pay the corrected invoice amount but, if they were not going to bill me correctly that I would not want to use their service because it is deceptive practices and fraud at this point as I have a contract. I received a bill for {$720.00} today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Six months ago, I noticed Mariner Finance on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by Mariner Finance and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called Mariner Finance and was told the loan was too old and they could not access any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My mortgage company has been asked since XXXX to refund escrow overpayments and assess my escrow. Currently they are HOLDING {$13000.00} in escrow. My yearly taxes at {$8000.00}, and my insurance is {$2500.00}. At the VERY least, I should have a {$2000.00} plus refund, and they refuse to complete an eval of my account and process my refund. We have contacted them 7 times, we have waited four months, they acknowledge there is an issue but continue to refuse to rectify the issues.

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 2021-04-09 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I did an online inquiry about refinancing my home. I began to receive multiple calls, emails, text messages from different companies. One identified themselves as my current mortgage lender. This was fraudulent. I contacted my actual mortgage lender and allowed them to run my credit for a possible refinance on XX/XX/XXXX. I was contacted yesterday from someone that identified themselves from XXXX and asked about my refinance in process. They offered additional savings. However, they reran my credit under " Factual Data '' as a hard inquiry that was not authorized. Only XXXX was authorized to run my credit. Upon further review I noticed that " Factual Data '' has run my credit on other occasions that were not authorized XXXX & XX/XX/XXXX. No other companies were granted access to run credit reports with my information apart from XXXX. I would like these credit checks removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: RI

Complaint narrative:
I noticed a collection notice from ERC on behalf of XXXX XXXX XXXX for {$2900.00}, this is incorrect and I would like it disputed. I disputed the same issues with another company in the past and it was removed. ERC has not been helpful in removing this or verifying any details to prove that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NY

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received two credit hard inquiries on my credit report on XX/XX/2021. One was from KOHLS/CAPONE and the other from XXXX within 1 minute of each other. I have not applied for a credit card with either of these stores and I feel I am a victim of identity fraud. I contacted XXXX to investigate and have the inquiries taken off my credit report. A rep at XXXX told me to file a fraud report with the FTC/CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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: VA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop.

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked.

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment.

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense.

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with Forster & Garbus. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact XXXX directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called Forster & Garbus incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes.

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX XXXX needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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 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
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX Credit Report Changes Addresses added to Equifax Identity theft XXXX XXXX XXXX/ Do not use Equifax Equifax needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a XXXX  XXXX in XXXX in XX/XX/2020 and moved to XXXX about a month later. According to the lease document from XXXX XXXXXXXX XXXX XXXXXXXX, in XXXXXXXX XXXX, I was to pay a total of {$750.00} Ohio sales tax for the life of the three-year lease which was divided up into 36 payments of approximately {$20.00} that were included in my initial monthly payments of {$310.00}. 

When I moved to XXXX in XXXX, Hyundai Motor Finance tacked on an additional {$22.00} in XXXX sales tax. So now my total monthly payment is XXXX and I am paying sales tax twice on the same vehicle. 

I have tried every outlet. Hyundai Motor Finance refuses to deal with this matter and referred me to the State of XXXX and State of XXXX sales tax departments. I contacted both agencies to resolve this matter and was denied by the State of XXXX saying the vehicle was leased there and thus its their right the money, whereas the State of XXXX, after giving me the runaround for several months, eventually denied me also, giving no clear reason for their refusal. So I am up a creek without a paddle and have been paying sales tax twice on the same vehicle for 10 months and counting. 

No one seems to want to help with this matter which everyone agrees is wrong so I am contacting 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