vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I have worked with Cardinal finance for a refi, I paid the fee for the appraisal and have had 6 different closing dates and now I am not getting a response from anyone, last update was XX/XX/XXXX. it was set to close ( for the 6th time ) on XX/XX/XXXX. 

I have worked with XXXX XXXX, his supervisor XXXX and a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
sharing my personal information without my consent and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: GA

Complaint narrative:
Equifax reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im 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 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NJ

Complaint narrative:
2- {$1000.00} transfers were made between my XXXX XXXX  account and the Cashapp account I opened account number XXXX XXXX XXXX XXXX also known as Square inc. on XX/XX/2021. 

The funds were debited from my XXXX XXXX  account in XXXX New Jersey but Cashapp ( Square inc. ) states they failed to receive the funds and promised to resolve it but now has blocked my calls or attempts at contacting them. 

I have not been able to get Cashapp that also goes by XXXX XXXX  and Square to return the 2- {$1000.00} transfers. 

Cashapp will not answer the phone or answer any of my texts. XXXX XXXX  sent me the information showing the transaction took place. I believe that Square ( Cashapp ) and XXXX XXXX  has my {$2000.00} and both XXXX XXXX  and Cash.app are legally obligated to secure and return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: DC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXXXXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XXXX XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Recently on XX/XX/XXXX I requested a credit limit increase for my card ending in XXXX an existing open ended credit card plan with Capital One. I was denied due to factors that violate the Fair Credit Reporting Act Pursuant to 15 USC 1681m ( b ) ( 2 ) ( C ) ( ii ). I suggest Capital One redeems my request to increase my credit limit on my exciting credit card, or Capital One will be in direct violation under civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I have an active account with Capitol One. I requested a credit line increase that was declined for no stated reason. I called and spoke to several representitives and they could not provide a reason or anyone I could speak to to determine the reason for the decline. The account has been open for over five years with the balance paid monthly. My credit score is excellent and I have close to {$1.00} XXXX in that bank, no debt and monthly income of $ XXXX/mo. I'm assuming the cause is my age, soon to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: CO

Complaint narrative:
I now have the second modification from Gregory Funding and its the first month of a three month program HUD I DO NOT WANT THIS NEW NOTE going from a 30 year mortgage to a 40 year mortgage and they are adding {$60000.00} to my note for being 164 days LATE== this is XXXX XXXX and I want to crure the late fees of {$15000.00} BUT THEY WILL NOT LET ME REINSTAMENT IS MORE THAN {$22000.00} WHY IS THIS= XXXX XXXX XXXX XXXX XXXX Gregory Funding loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
This complaint is in regards to my previous complaint # XXXX. Not only do I NOT agree with the response from Target, I have since been advised by Target directly that their company was in error. On XX/XX/2021, I spoke to a representative, who I believe the name was Ukarie ( hard to understand ) and Supervisor named XXXX for 45 mins reviewing the account. It was at that time, that XXXX advised me that the representative I previously spoke in regards to waiving my payment was in the wrong and told me the incorrect information. They were not offering any COVID assitance at that time, but the representative advised that my payment would be waived, and I would not have a payment due until XXXX. Again, Target has openly admitted to the error, and still refuses to correct it. If I had not been mislead to believing that the payment would be waived, the payment would of been made. I never recvied a statement via mail or email as Target has claimed, nor did I receive a courtsey call, or message stating that I had an overdue payment. Again, I paid the account as i had agreed to when I requested the assistance. As this error has been admitted by Target itself, it needs to be corrected as they are misleading their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have 3 charges on XX/XX/XXXX, {$89.00}, {$34.00}, {$34.00}, and I got a refund {$49.00}, {$30.00}, leaving a credit due me of {$78.00}. No one at Capital One is addressing this. They keep systematically not addressing the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from 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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I contacted Chime about an order I had never received from XXXX, its been about 2 weeks and they deny offering and provisional Credit with chime and keep stating that it will take over 90 days to complete an Investigation. Provisional credits must be given within 10 days if an investigation is not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been trying since XXXX to get this company to verify the debit that is owed, instead i have been given a phone number every time i call the phone number there is no answer. there fore they have no proof the debt is mine it is impacting my credit score on Experian XXXX XXXX and XXXX i have communicated with letters and even answered their phone calls and they have yet to supply or verify that this debt is valid and i don't believe Experian did their due diligence either sent letters to Experian the other 2 credit bureaus have been no problem but Experian is horrible won't do their due diligence

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 2021-08-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing unauthorized inquiries on my consumer report with your agency for months now. I've sent multiple FTC reports informing the agency that they furnished my consumer report without my consent and that they're reporting unauthorized inquiries. Your agency have also been unable to provide the methods of verification or validation that proves I initiated the following inquiries. I was also stated to your agency that I was a victim of the Equifax data breach and still I was unable to get the proper help with my issues so I have to get the CFPB involved. 

1.XXXX Date of inquiry : XX/XX/2021 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. XXXX Date of inquiry : XX/XX/2021 4. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 5. XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 XXXX. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX TXXXX Date of inquiry : XX/XX/2021 8. XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: DISCOVER BANK
State: SC

Complaint narrative:
Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

as well as the agencies not supposing to report on accounts older than 7 years of age.

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ XXXX  Date Opened : XX/XX/XXXX Amount : {$5400.00} DISCOVER FINCL SVC LLC Date Opened : XX/XX/XXXX Amount : {$510.00} +

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
It should have been forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
BMW of XXXX : XXXX XXXX XXXX, XXXX, CT XXXX https XXXX XXXX XX/XX/2021 : Negotiated deal, the purchase price ( PRE-REBATES ) for {$61000.00} -- MSRP of the vehicle was {$63000.00}. 
XX/XX/2021 : Documents signed and was assured by the Finance Manager of BMW of XXXX that the deal terms would be honored ( PRE-REBATES ). 
While reviewing my lease contract, I noticed two ( 2 ) discrepancies on the contract and would appreciate some guidance, please. First, the negotiated price ( PRE-REBATES ) was {$61000.00} and the selling price on my contract is displaying a different amount. Second, the residual value ( RV ) of the vehicle on the negotiated price was {$34000.00}, whereas on my contract it is displaying an RV of {$36000.00}. The finance Manager-Mr. XXXX XXXX of BMW of XXXX failed to input the negotiated deal ( PRE-REBATES ) at signing while inflating the Residual Value. What is the point of having multiple layers of staff to negotiate the deal ( Client Advisors, Sales Managers, and so forth ) if the Finance staff ultimately reconstructs the deal ( PRE-REBATES ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Lawyer from XXXX XXXX XXXX called and threatened me saying that if I did not pay he would suspend my license and car registration. 
Called me a imbecile and a deadbeat for not paying. This is from a repossession from 2007. Florida law clearly says that they have 5 years. 
They continued to mock me while I asked for their business name and information to list on my bankruptcy forms as required by law. 
I tried multiple times to provide them a current address to be served and they refused to accept it and filed and tried to serve me at a known invalid address. 
They are abusive and bottom feeders who solely pry on people in economic hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
The issue starts with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, failing to honor the contractual agreed upon max fees allowed on services rendered for XXXX & XXXX services. 
XXXX XXXXXXXX XXXX is a preferred provider with my primary insurance carrier, XXXX XXXX ( XXXX XXXX ). 
XXXX XXXXXXXX XXXX has since sent their improper accounting information to Southern Credit Recovery XXXX XXXX XXXX LA XXXX. 
Southern Credit Recovery is now dening my consumer rights to dispute. 
I have provided a detailed explantion of dates, charges, maximum allowed charges, amounts paid by each insurance company and my personal payments which reflects an over paid amount due payable to myself. 
I have attached a copy of what I sent to Southern Credit Recovery along with their response to my appeal. 
I have copies of all explanation of benefits which shows maximum allowed charges, insurance paid amounts to XXXX XXXXXXXX XXXX and my personal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

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