vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
In XXXX / XX/XX/XXXX, I engaged legal representation to help cancel a time share contract. We followed the advise of counsel and advised all 3 credit reporting agencies of the situation. We settled the issue with XXXX XXXX XXXX XXXX in XX/XX/XXXX and per Experian Credit report " credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage '' and the status date XX/XX/XXXX, loan amount {$10000.00}, Past Due amount {$0.00} and late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Experian currently shows that this account has 36 late payments which is false reporting. This is grossly negligent on the part of Experian. I filed my first dispute with Experian at the end of XXXX with little to no information provided regarding their investigation. No names, phone numbers, or addresses of the furnisher was provided. I contacted XXXX XXXX and they advised they had closed the account, the matter was resolved and was no longer reporting this account to the credit reporting agency. I have tried to file disputes online and their website state they are not required to conduct additional investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I called the general customer service number about my issue & was treated in a way that's not consistent with Chase Bank customer policy. Not only was I bounced around by several departments that either didn't want to address the issue or didn't know how to handle the issue they were extremely unprofessional. I finally had a chance to ask for a supervisor & she purposely put me on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: WA

Complaint narrative:
I had a personal loan with Lending Club that was closed without any communication. I've been a client with Lending Club since XX/XX/XXXX. My first loan was Acct # XXXX for $ XXXX. I paid that loan on time, never had a late payment, and paid it off in full on XX/XX/XXXX. 

I applied for a second loan on XX/XX/XXXX. The loan was approved, loan # XXXX, loan amount of {$34000.00} and fully funded on XX/XX/XXXX. I also paid this loan on time every month until I because severely physically ill in XX/XX/XXXX. Due to my illness ( which I believe was early Covid ) was unable to work and my income was severely impacted ; I wasn't able to work and because I'm 100 % commission, I IMMEDIATELY contacted Lending Club to inform them of my health issues ; to let them know my income was impacted, that I was anticipating hardship and see if they had any programs to assist me when I was no longer capable of making the payments on time. But the only option they gave me was a 15 day grace period which is standard procedure under any situation. I called them once or twice per month seeking help and asking for guidance all while struggling to make timely payments. I was able to continue making on-time payments up until end of XX/XX/XXXX and by this time the pandimic ( Covid ) hit like a nuclar boom! In spite of my health, a major hit to my income and the announcement of Covid, I still endeavored to make payments. 

In spite of my steller payment history, fully paying off my original loan # XXXX, constant communication, request for assistance, the announcement of a world pandemic, Lending Club didn't offer me a helpful solution until XX/XX/XXXX! By this time I have little to no income, I've exhausted my savings, getting food from the food bank, etc. I was at the end of my rope! Then unbeknownst to me they charged off my loan and sold it to a third party company XXXX ( collections ) XXXX without contacting me at all!! I only found out because I was trying to call in to make a payment and they told me I was unable to pay because my account was closed. 

I'M EXTREMELY UNHAPPY ABOUT HOW I WAS TREATED. I WASN'T TREATED FAIRLY ESPECIALLY FOR MY PAYMENT HISTORY, ATTEMPTS TO WORK TO KEEP THE ACCOUNT CURRENT AND PAID, ALL MY COMMUNICATIONS TO LENDING CLUB, PERSONAL HEALTH ISSUES AND ABOVE ALL OF THAT A WORL WIDE PANDIMIC! THIS HAS SEVERELY IMPACTED MY LIFE AND IT WAS NO FAULT OF MY OR DUE TO ME BEING IRRESPONSIBLE! I ASKED THAT YOU PROTECT ME AS A CONSUMER. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was acquired to open unauthorized accounts. I disputed the accounts from my credit report and still have not recieved a response from any of the 3 credit bureaus in over 60 Days. I also paid off my automobile with XXXX XXXX over a year ago, also something that is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against Experian due to their inability to correct an error in their system. Recently, I requested an Auto loan from XXXX XXXX XXXX, which I was denied from because Experian is reporting to them two different credit lines, with two different names however with the same social security number which is my number. 
I have contacted Social Security multiple times to make sure my social security was only assigned to me and to make sure they do not have another person utilizing my number in their system. Social security has confirmed that they only have my number for myself only. 
I have also requested my credit reports from Experian, XXXX, and XXXX. All three reports are the same and there are no accounts that I have not opened. All three reports appear to be only my information and with accurate credit history. 
I have been calling Experian several times since XX/XX/2020 to fix this issue that they are reporting to XXXX XXXX  XXXX. Three times Experian stated they would fix the problem within 3 to 5 business days however every time I called back the problem was still present. Additionally, twice on separate occasions I was told by Experian that they would submit a form to fix the problem and I would need to provide them with supportive documentation including a copy of my ID and a copy of my Social Security card. The documentation that they asked for was mailed to Experian and they confirmed they received it and it is in my file. Now Experian has confirmed that they do in fact have another credit file under the same social security number and that they do not have a way to fix that even with supportive documentation. I have asked many times to speak to a supervisor or someone that can help me fix this and they tell me they do not have a way to fix this problem. They suggested I attempt getting a loan through a different company as they can not fix this. 
Ultimately, consequently I attempted to open a new credit card account and was also denied. This issue is affecting me in many ways as I can not obtain new credit lines or loans while all together affecting me from being able to purchase a vehicle. Attached is a copy of my ID, passport, Social Security card, and proof of residency document for supportive documentation to prove I am who I say I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Today on XX/XX/XXXX, Suntrust took it upon theirselves to force close my account. Ive tried everything in my power to try and figure out what they are closing it for. They have no type of answer for me except that my account will be closed and remaining funds will be sent to me via paper check in the next 25 days. This is of great inconvenience to me because I received my direct deposit today from my employer and have no way of accessing these funds. I will be behind on rent because of this and most likely will struggle to get groceries until Im able to get paid again. I dont know how this is possible in the middle of a pandemic but I guess this doesnt matter to them, Im just looking for the best solution because I can not wait for them to release these funds that would put me at a great disadvantage and I do not want to penalized for something that is far out of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony/Belk is falsely reporting to the bureaus that I have a balance with them on a charged off account. They have not reported to the bureaus they transferred/sold this account almost a year ago. They continue to report to the bureaus that I have a balance with them that they have charged off. They did not notify the bureaus that they do not own the account and they did not notify me in writing of the creditor to whom they transferred/sold the account. I also wrote to the bureaus to request they delete this account based on inaccurate reporting but the account is still being reported. They are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
The Producing Team Lead, XXXX XXXX XXXX, decided to close our loan application today because my wife and I did not want to agree to the loan disclosures with incorrect numbers. We previously submitted a complaint ( XXXX ) about this lender for failure to provide us with loan disclosures without submitting additional documents and before the three-day timeframe. XXXX XXXX contacted us onXX/XX/2020 to see if he could resolve the original dispute by honoring the initial offer we received when we started the application. Since we started communicating with each other, he did not acknowledge the original complaint but only tried to move forward with completing our loan processing. I requested that he correct the loan disclosures to reflect the actual numbers that we agreed to. He did not attempt to correct this for us but decided to cancel our application neglectfully. Additional fees were not previously disclosed, and he has not effectively clarified the additional amounts. An amount not previously disclosed includes an origination fee amount of {$1400.00}. When my wife and I started doing business with the lender, we provided our monthly property tax and homeowner 's insurance amounts. They decreased the amounts on the loan estimate to make it seem like the closing costs will remain the same as the initial numbers. We are expected to agree to incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
First I would like to leave clear that due to the impact of Covid-19 I lost my job and I have not been able to find a job while my husband hardly gets his hours for a part time job to work on his new job and the fact that our kids are taking school at home does not help even though we are getting help from local churches, food banks and even family members, our situation is still hard at this time as we both are slowly sinking into debt. 

The problem that I have with Midland funding is that I owe them the amount of {$710.00} which might seem like something small and easy to pay for the average person but the thing is that at this moment we can not pay the full amount due to our circumstances that we are going through and we are not sure if we are going to be able to pay it later on because like I said we are slowly sinking more and more into debt due to that we can not follow up with the bills even though we have already tried to reduce our expenses as much as we could. 

Me and some close friends that have been on this kind of situation have had a discount of more than 50 % but for some reason when my husband called Midland to see if they could help me somehow making me a discount for what we are going trough they just thought that it was ridiculous that we would think that we could get an offer under 50 % and they gave us the offer of 95 % in payments even though my husband had already explained her that he only had {$300.00} and was not sure if he could follow up with the payments because of our income and that we are slowly sinking into debt. 

We felt like we where taken as a joke and they did not care about of our situation at all as I heard on the call. For a moment there I was put on hold but the representative did not mute herself and I heard her to talking to someone else in what seemed to be her laughing at my hardship or my inability to pay. Im not sure if thats what she said but thats what it seemed like as she thought I was on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 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: SC

Complaint narrative:
I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT EDXXXX : XXXX DPT ED/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 2020-10-22 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: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Specialized loan Service is reporting a late payment on my credit file on XX/XX/XXXX. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had this account since XXXX and I have NEVER been late. Unfortunately, this pandemic was unforeseen by this country and it's pretty sad that after such a long time in good standing and making my payments on time you would report a late payment caused by natural disaster. I plea with you as a one time courtesy to remove this late off my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a debit card from Chase on XX/XX/XXXX of which was for a checking account at chase that ended in XXXX. I do not and have never opened a checking account at Chase Bank. I called the bank on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX after waiting both times for over 45 minutes was told that I had to speak to the Fraud Department and they were closed. On XX/XX/XXXX i waited for an hour for a representative and when they answered they disconnected me. I proceeded to call back and waited another 50 minutes when a gentleman answered named XXXX who verified that there was a checking account opened for 35 days with a XXXX balance, the account was opened online and verified that all of the information was mine with the exception of the telephone number was an XXXX number which should have been a RED FLAG. He proceeded to send me to the Fraud Department where a lady named XXXX informed me that she had to send me to the Identity Theft Department. A XXXX from the Identity Theft department informed me that she was going to mail me a document to sign and I needed to mail copies of my Drivers License and another form of ID along with my SS card, They already obtained and confirmed my information with me and I still have not received anything from them. I feel that the bank did not do a proper XXXX due diligence when this fraudulent account was opened and they also ran my credit as I checked my credit report and it is on there. The debit card number is XXXX XXXX XXXX XXXX. I asked for the Chase staffs full names and they all stated that they were only allowed to provide their first name.. It was never confirmed that this fraudulent account was closed and that the debit card was closed out too. This is the worst bank as they opened an account and didn't do the proper due diligence and to know that now someone out there has all my information and was able to open an account is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am making a complaint about the account CARMAX AUTO FINANCE reporting onto my credit. This account is fraudulent and was not opened by me. I did not authorize or give consent for this account to be opened. I believe this account was opened by a family member of mine using my personal information without permission. I am requesting to have this account taken off of my report as this is a fraudulent account. I have filed an identity theft report and can provide that as well as any documents needed. Have made several disputes with the credit bureaus to no avail, XXXX what to do, and need help proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: AL

Complaint narrative:
My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX  : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in my credit report.

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