vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.

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 2020-03-31 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: CA

Complaint narrative:
I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: HI

Complaint narrative:
We were in the process of selling our home and purchasing a new home. We were set to close on XX/XX/XXXX. The mortgage broker, Success Mortgage Partners , Inc., already gave us final loan approval. The property appraised over purchase price. We had the home " tied-down '' to code to qualify for the conventional loan. The tie-down cost us {$2900.00}, plus the engineer report at {$350.00}. 

The mortgage broker called us today to inform us that because we were purchasing a manufactured home, the " investors '' were no longer going to honor the loan. They completely backed out of our agreement and we are now left to find another lender with closing scheduled on XX/XX/XXXX. 

We have to move out of our current home by XX/XX/XXXX. Because of the mortgage broker 's decision to breach the agreement between us and them, we now do not have a lender and if we do not get another loan, we will not have a home as of XX/XX/XXXX. 

After speaking to the mortgage broker 's legal department, we were informed that they would not release to us the name or entity that was the " investor. '' They refused to supply us with the contract between them ( broker ) and the " investor. '' They also did not tell us under what legal authority their decision was grounded upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
I refinanced this loan on my primary home in XX/XX/XXXX. Payment # 1 was Due XX/XX/XXXX. I made payment # 1 on XX/XX/XXXX ( to XXXX XXXX, the originating lender ). On or around that date the loan was transferred to Amerihome. Once I made XXXX payment it was applied to XXXX and I have been in accurately reported late to the credit bureaus. 

Please find proof of my XXXX payment ACH ConfirmationXXXX Inbox x XXXX XXXX XXXX   XXXX Thu, XX/XX/XXXX, XXXX XXXX  to XXXX ACH Confirmation XXXX This is your confirmation for the ACH Debit set to occur on XX/XX/XXXX in the amount of : XXXX Your Confirmation Number is : XXXX If you have any questions related to this transaction, please let us know and will be happy to assist you. 

Thank you for choosing XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On my statement billing cycle ending on XX/XX/2020 CitiBank issued me a credit for fraudulent charges of {$1600.00}. On my statement ending on XX/XX/2020 I was RECHARGED for the unauthorized online purchases in the amount of {$1600.00}. 

I advised the bank that XXXX  had my card as an authorized purchasing option. However, my XXXX was compromised and the card was charged for online purchases on XXXX. I advised CitiBank that these charges were not authorized or performed by myself or any authorized user. It seems they were correcting the issue but have now un-reversed the fraudulent charges.

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 2020-03-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted experian to let them know a charged off/collection account reporting incorrectly on my credit report. I have settled the account with XXXX cardmember service XX/XX/2020 and they are reporting not as settled but that I'm making payments to the account.

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a balance of {$2500.00} on my GM capital one card. The card making monthly payments of a {$100.00} dollars I look at my statement and the balance stays the same so i looked at the interest and they are charging 24.40 % so with paying double the minimum payment i get no were the interest payment alone is {$49.00} so i called them and explained that with my credit score at XXXX i should have a better interest rate they said no interest reduction for them the lady said they cant do anything for me witch if the interest was 15 % it would be too high they get it for about 1 % I XXXX XXXX at {$50000.00} for 2.5 % so that is price gouging for sure I hope you can help me Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XX/XX/2020 I received a letter in the mail from Specialized Loan Servicing ( SLS ) stating they got notification from my Insurance Company regarding Cancellation or Non Renewal of my Homeowners Insurance Policy so I called them on Tuesday XX/XX/2020. A lady in the Escrow department said when my loan came to them the " Insurance '' portion was not placed into escrow ( which is not correct ). She stated she would do an Escrow Analysis right away so she took my Insurance Agent information and said she would contact them to let them know payment is coming. On Friday XX/XX/XXXX I called my Insurance Company and they confirmed my policy had cancelled effective XX/XX/XXXX. I was also informed that no one from SLS had contacted them. That Insurance Representative took my Mortgage company information and fax number and sent SLS a reminder that payment is due asap for my Homeowners policy. Today XX/XX/2020 I called SLS again. I was told they need to do an Escrow Analysis and my payment would increase which it should not but if it does to me it would be a small amount because the escrow I currently pay is more than enough to cover both taxes and insurance. My annual taxes is {$4700.00} and my escrow payment is {$470.00} per month. The Insurance renewal is {$1000.00} annual. The Representative XXXX invested more time in telling me that my payment would increase then looking into why nothing has happened since a week ago when I called SLS. She could see notes that I called in and an Escrow Analysis would be done and the Insurance Company would be contacted but she said she would have to do the same thing. 
When I asked why nothing has happened in a week she said she didn't know. Keep in mind that my Homeowners Policy has cancelled and I have no coverage on my home yet I'm paying for it every month in my mortgage payment. I called twice to my lender and was not only treated poorly especially by XXXX but I have no assurance that anything is happening to fix the issue and get my Homeowners Insurance paid. 
And by the way I got their letter on Sat XX/XX/XXXX and it stated that if I don't get some insurance by XX/XX/2020 they would get Insurance for me and add it to my monthly mortgage payment but they are the ones who has my Escrow account. Why didn't I get notification sooner? Please I need your help. The Insurance Agent told me if my Homeowners Payment isn't received by XX/XX/2020 my Homeowners Policy can not be reinstated without a break in coverage which could increase my insurance rates. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NY

Complaint narrative:
I sent both XXXX  & Experian dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both XXXX  and Experian of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A 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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: SC

Complaint narrative:
I submitted a complaint # XXXX on XX/XX/XXXX ; Ref : Guild Mortgage - the complaint was on a Conventional loan not a VA loan. They sent you incorrect information - the information you received was a VA loan when I purchased my home on XX/XX/XXXX. I purchased a second home in the same year in the same neighborhood ; I had to write a statement on why I was purchasing a home in the same neighborhood in the same year ; I was told that there was a special program for my XXXX XXXX Son ; but later I found out that there was no special program with a lower interest rate ; the statement should be apart of the loan documentation for as I know. My complaint is the Conventional loan on XX/XX/XXXX. I am also having a problem cancelling my PMI ; I have written Guild Mortgage several times trying to cancel the PMI on this conventional loan. 
I have submitted documentation to Guild Mortgage to cancel my PMI on this property and I am going back and forth ; I paid for a MPO ; I sent the {$150.00} for the brokerage appraisal ; it was appraised at {$86000.00} ; there is no house in this neighborhood appraised at this low price, all the home are {$98000.00} plus. I did not agree so I was told that I needed to send 3-5 homes that was sold in the last year of the MPO. I wrote back and now I'm in the process of sending Guild Mortgage 5 houses that have sold in the last year ; I will upload this information as soon as I gather the market analysis to send back to Guild Mortgage. This has been very stressful and I am tried, I am a XXXX  Veteran and I am not always able to write letters back and forth ; but I tried to answer as soon as I am physically able. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2020 I started to sell  on XXXX in doing so I had started a PayPal account to receive my funds. PayPal ended up putting all funds on hold until I submitted some information and my ID so I gave them all documents required and they still had my funds on hold after all documents had been reviewed and satisfied. After endless conversations with customer service and them telling me it would be released within 24-72 hours when that did not happen I talk to customer service and they told me because of a old unresolved account my funds are on hold until it is resolved. I then call the number they gave me and it was PayPal collections and the man on the phone told me over a year ago on a previous account funds that had been sent to me had been charged back due to the sender claiming he never sent the funds which is a total lie. I did XXXX XXXX and he would send my pay through PayPal so I said how come I was not notified and he said they sent a email I regards to it well I obviously never got this email I said why did you not send a letter or call me. He had no answer and now are holding {$1600.00} of mine in my PayPal buiesness account and will not release my funds until I pay {$1100.00} on something I have no knowledge on and do not owe PayPal any money. I will end up suing them if I do not receive my funds this is and was my only source of income I need you to please help me get what belongs to me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report. I disputed this bankruptcy on XXXX XXXX. They removed this erroneous information on XXXX XXXX. Now they are reporting the same bankruptcy they removed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/20 Speedy Cash charged my checking account in the amount of {$2100.00}. 

I obtained a payday loan last year in the amount of $ 900ish dollars. I never paid it back or attempted to contact them which was a huge mistake on my part. 

The collection agency " XXXX XXXX '' stated I owed Speedy Cash {$1300.00} for the payday loan, and the interest accrued for non-payment resulted in the amount of {$2100.00}. 

I called Speedy Cash and XXXX XXXX to let them know I could not afford to pay the full amount they deducted from my checking account at this time, and requested for them to work with me but both parties refused. I requested a refund for the interest they charged me for non-payment, and even offered to make arrangements to pay the interest back but they refused. 

I did not agree with the amount of interest I owed them and asked for an explanation on how the interest accrued to close to {$800.00}. They stated it was in the contract I signed. I explained to them I didn't have the contract, and requested for them to explain it to me but they stated they didn't have the contract in front of them. They indicated I would need to submit a written request for the contract by mail or fax, and they would fax or mail but it would take some time. 

Please, help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I can not unlock my Equifax credit report. I have tried to unlock it through Equifax 's Lock & Alert with no luck again today. I contacted Equifax today and the Office of Consumer Affairs states that my credit report is under review and will be unlocked within two months. This is absurd. This is my financial information. My life. I receive alerts. If there was a concerning problem with my account, I'd let them know. I want access to Lock & Alert. It's my private information they're withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I been a Chevron/ Synchrony bank account holder since XXXX XXXX. In such a time I have made every payment on time and not once have I ever paid late or even overcharged the account. I think it's fair to mention that within such time there hasn't been much problem with the account.Needles to say, I tried using the account on XX/XX/XXXX and for reason unknown to me my purchase was declined. I contacted Synchrony bank and what I found was a lack professionalism and harassment. One that could even be interpreted as civil rights violations. Since in my perception the hold was placed on the account to get me to call and to torment me. Due to the fact that positive resolution is never offered. Instead I am mocked and harassed. For lack of a better word trained as an animal ( behavior modification ) in a detrimental way.Other wise as it has been done several times before, the account is closed and any intend to reopen it is denied.Such fact can be supported based on previous claims or complaints to this very website against synchrony bank and several of their retailers.

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 2020-03-31 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: NY

Complaint narrative:
I sent both Transunion & XXXX  dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX  XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both Transunion and XXXX  of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A 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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this account with Equifax, XXXX  and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.

Company response to consumer: Closed with explanation