vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: NY

Complaint narrative:
To Experian. I never had to use my credit until now when I am about to utilize it to get my first mortgage. When I looked at my credit, somebody stole my identity and opened over 5 accounts on my credit. I spoke to real estate office and they said to contact you guys to get things removed. I also contacted the Federal trade commission. They advised me that you guys will block and remove the fraudulent information to protect my rights as a consumer. I hope this is true as I can't move on with my life without 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 2020-12-01 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 was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason XXXX  thinks they have a different set of legal guidelines apparently

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 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We received a XXXX principal curtailment credit on XXXX XXXX.We requested this credit to be reversed and applied to mortgage arrears due to covid expenses and finances at the moment. In our complaintXXXX lenders letter dated XXXX XXXX reversed our principal in XX/XX/XXXXas letter stated. We are requesting the same for this XXXX earned principal curlailment since lender already set precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, I opened an online savings account with Citi. On XX/XX/XXXX, when I attempted to contact Citi to obtain an identification code to be able to access my account, I was told that a code could not be provided for 14 days. It is an unfair, deceptive and abusive practice to permit a person to open a savings account, receive funds from the applicant, but then not permit an applicant to have access to those funds for 14 days. It also seems to constructively be a violation of the Expedited Funds Availability Act. Even though the institution may state that funds are available in the account, if the institution, Citi, has an internal practice that constructively prohibits access to those funds for a time period in excess of the time period permitted by Regulation CC, that would seem to be a violation of law.

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 2020-12-01 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: TX

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Current loan servicing provider TMS INC XXXX XXXX XXXX XXXX, TX XXXX XXXX. Called TMS ON XX/XX/27 to find out why my online balance was XXXX. They advised me my loan was sold XXXX to another service provider but refused to give me any info on who new service provider is. I ask to speak w supervisor was disconnected. Called TMS BACK spoke to XXXX who gave me XXXX XXXX as new service provider XXXX. Same day XX/XX/27 called XXXX XXXX. They hv NO record of my loan ever, spoke to two people who advised me to call TMS BACK. TMS is not resolving this issues and as of now XXXX I do not know who is servicing my loan. Need help to resolve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
My name is XXXX XXXX, on XX/XX/XXXX I go to the XXXX company to buy a XXXX  car that I saw on the website for {$21000.00}, the seller XXXX XXXX confirmed that that was the price, for the hour they brought me the XXXX XXXX car I went to work and on XX/XX/XXXX I went to pick up the contract, on XX/XX/XXXX I communicated by email with the seller XXXX indicating that he is not satisfied with the contract, he told me to please go to the store to explain, I went to the store on XX/XX/XXXX told me that there was an error, it was charging me USD XXXX for maintenance plan, that they would call the bank to fix this and send me the new contract. 

Days passed and I had no response for the e, XXXX, he sent an email to the seller and he did not respond, on XX/XX/XXXX I sent him a text message on his cell phone, I asked him if they had any answer, he told me that his financing The manager told him that it was already resolved and that the bank had already deducted it, that they did not have that document because it is a correction and that the bank has it, which is not true. 

I receive the account statement, monthly payment {$470.00}, I contact the bank and they tell me that the debt is for XXXX, you sent that agreement. 

It is not the first time that I buy a car with this company, this is the fourth car and obviously the last, I feel cheated and discriminated against for being XXXX, if you say a price on the web you can not charge USD XXXX XXXX more in taxes and others expenses They charge me for things that are not correct, they put XXXX dollars in maintenance plan that they have never charged me before in previous cars On the website it says a price and at the time of settlement they give you another, they do not know how to explain why the extra charges, taxes and services can not charge more than {$7.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, COMENITYBANK/WAYFAIR add a hard inquiry on my credit report per XXXX. On XXXX XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX On XXXX XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TFC Credit Corporation of California
State: UT

Complaint narrative:
XXXX XXXX and TFC are double reporting a debt on my credit file. I recently pulled my credit and noticed that TFC was reporting a debt that had been sold off to a collection agency. Well I looked at collections and sure enough XXXX XXXX was reporting the debt along with TFC?!? This is a violation under the FCRA and it needs to be fixed immediately. I can not settle this account because I don't even know who to contact at this point, they've just been giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I was unable to make that payment.. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: LA

Complaint narrative:
On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX  Data Breach. I demand to deleted all the accounts or I will file a litigation

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 2020-12-01 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: LA

Complaint narrative:
On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation

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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with Capital One before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XXXX  and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a brain injuries which caused me to be determined XXXX following a car accident. I was in a XXXX, required round the clock care for several years as well. Because, I was thinking about XXXX  myself because everything was so crazy, I went to see a XXXX. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. Dated XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over XXXX. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TX

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-01 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: TX

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Bliksum, LLC
State: CA

Complaint narrative:
Im trying to restore my credit after a Long span of trying to survive ... 

This loan was a predatory online loan taken out under stress ... 

After filing a dispute with XXXX  the predators jumped the loan from XXXX to over {$2500.00} on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I refinanced my home with XXXX XXXX XXXX and they sold my mortgage to village capital. village capital then sent me a letter in XX/XX/2020 stating that they were going to purchase homeowners insurance. I already had homeowners insurance with XXXX. I then paid my insurance {$2400.00} and rent the paperwork to village capital for a refund. I am now to the point where i am talking to XXXX XXXX her number is XXXX. I have filed a claim with the XXXX XXXX XXXX. The insurance was to be paid in my refinance and never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX  XXXX XXXX  FI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, FORD MOTOR CREDIT add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
I currently have a primary 30 year fixed mortgage and a second lien HELOC. I originally opened the HELOC in XXXX and in XXXX decided to raise the limit. Apparently the original HELOC was not closed out properly and is still showing as a lien on my property ( for 3 total instead of 2 ). I found this out because I am attempting to refinance my primary loan and have been stuck trying to clear the title of the 3rd lien. 

The current 30 year loan is with XXXX and the HELOCs ( both ) are with KeyBank. I am trying to refinance with KeyBank to have everything under one roof. My initial application was on XX/XX/XXXX and my appraisal was done in XXXX. The original closing date was XX/XX/XXXX and has now been pushed back AGAIN for a 5th time into XX/XX/XXXX. What should have been a 2 to 3 month process is now pushing into 8 months! On top of this, my HELOC has been frozen for 3 months now which has prevented me from accessing my funds while charging my monthly fees and surcharges. 

KeyBank is telling me the county ( XXXX County NY ) is not responding to their requests so I contacted the county clerk directly myself. I was told they are roughly a week behind on paperwork and did NOT have anything from KeyBank pending for my property. The only answers I am getting from KeyBank is they are working on it.

The worst part is I couldn't even attempt to refinance with another bank at this point because the issue is the existing HELOC, Regardless, this process needs to go through KeyBank to close out the original HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TX

Complaint narrative:
I sent documents to Experian ( Tracking ID : XXXX ) and XXXX  ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX  is telling me that I have a pending civil lawsuit with Wells Fargo on a past balance due. 
This account never existed. I never received any communication. This account is not on my credit report. 
They keep threatening me with having to go to court. I asked them to show me proof and they refuse.

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit
State: TX

Complaint narrative:
Lake City / XXXX are continuing to attempt to collect a debt that is not owed by me. The debt is erroneous and fraud. They have claimed to validated these alleged debt. They have skipped traced and received my current address. However the address listed on the debt was never my address ... the fraudulent bank account documents they also included are also unknown. In addition, the credit bureaus and LAKE CITY/ XXXX  have been provided with the police and affidavit that was required. I do not owe and have never owed said companies listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation