vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: WA

Complaint narrative:
I am filing a complaint against XXXX, Equifax and XXXX for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle is overcharging me for insurance. 
The problem began when they were late in paying for my homeowners insurance policy because they were late the insurance I had secured canceled my policy now Dovenmuehle   expects me to pay for the months that didnt have insurance because they were late in making the payment. 
I started getting notices back in XX/XX/2020 stating they didnt have a policy for my home on file. I let them know that I had obtained Bankers after XXXX XXXX canceled my original policy. Bankers notified Dovenmuehle  in XXXX that they had a policy for my-home at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Dovenmuehle  didnt pay for the policy until XX/XX/2020. Bankers canceled the police as of XX/XX/2020 do to non payment and wouldnt reinstate the policy because it was late. 
Dovenmuehle  made two payments to Bankers one for {$2200.00} and {$22000.00} for a policy that was {$2200.00} a year. 
On XX/XX/2020 I received a phone call from XXXX XXXX who said he works in the escalation department or Dovenmuehle and that they had finished their escrow analysis into the shortage and I would be getting a letter in the mail detailing the outcome but he did tell me that I would not have to pay for insurance for the laps of time XX/XX/2020 to XX/XX/2020 because of the mistake with the payment. 
Now Dovenmuehle has sent me a letter stating they are charging me over {$600.00} for the laps from XX/XX/2020 till XX/XX/2020 and telling me I have to pay this amount even though IT WAS THEIR MISTAKE THE INSURANCE WAS NOT PAID ON TIME. 

DOVENMUEHLE IS TELLING ME THAT I HAVE TO PAY FOR TWO MONTHS OF INSURANCE THEY DEEMED I HAD NO INSURANCE EVN THOUGH THEY DID NOT PAY IT ON TIME WHEN IN FACT THERE WAS ONLY ONE MONTH WITHOUT INSURANCE DO TO THEIR MISTAKE OF NOT PAYING FOR THE INSURANCE ON TIME. 

Allied trust did not cancel my insurance until XX/XX/2020 as the attached document will show. 

REVIEW Dovenmuehle did not pay Banker insurance on time so Banker canceled insurance policy. 
Dovenmuehle sent me a new letter telling me I had to pay for two months do to their non payment to Bankers. 
Dovenmuehle is OVERCHARGING two months for insurance do to their NON PAYMENT of the Bankers policy on time. 
XXXX XXXX from Dovenmuehle said they were waiving the two months that had no insurance policy do to DOVENMUEHLE LATE PAYMENT to Bankers. 

Attached you will find the documents supporting my claim against DOVENMUEHLE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We closed on the sale of our house at XXXX XXXX XXXX, XXXX, NY on XX/XX/2020. Citizens was send a check over night via XXXX by our lawyer. Another check was sent to XXXX for our Home Equity at the same time. XXXX received their check and credited our account and paid off the Home Equity. Citizens is saying they did not receive a check, just some paperwork on the XXXX. They never contacted us regarding only supposedly receiving a letter to payoff our mortgage. We have been trying to work with a few different people to no avail. I have been in contact with the supervisor of Customer Service, XXXX. She doesn't return phone calls when she says she will, and I left a message again today with no return call. They have, since we have spoken to them about this, now paid taxes on a property that we no longer own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Opened XX/XX/XXXX Credit Coll Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I received a handwritten approval letter from Atlas Credit Co Inc after i contacted the company inquiring about the letter i received i was told by a rep to provide my personal information, before i was told that the letter was legit or not. I then provided the information requested and was told i would receive a call back. Once i received the call back i was told that i was denied but i was not given the reason for the denial on the phone but explained to them the handwritten letter that was received and what all it said and the approval amount for {$500.00} it was not a pre-approval letter but an actual APPROVAL LETTER but the rep still refused to provide me with the reason for the denial on the phone nor did she explain the approval letter that i received. I then tried to ask what was the purpose of the approval letter if they knew or had idea once i called about the letter that i would be denied. I feel that i am being scammed for my information, i am getting credit inquires on my report for this information after they run my credit and deny me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/2020 I started the application process with Chase. Through this process the bank kept asking me for the same information that I had previously submitted. Once submitted, the underwriters would take so long to review, 6 weeks, they would have to ask for information all over again. This went on for 8 months. Over the course of this time they pulled my credit 9 times! This has substantially damaged my credit. To the point I can't get refinanced. Chase sent me a letter of denial in XXXX. It stated that they were unable to help me because I was asking to pull out to much of the equity in my house. This is not true at all. All I was trying to do is refinance my house. Didn't want to pull any money out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently learned that my creditors were reporting inaccurate information to the credit burials. I learned this when my loan officer gave me a copy of my credit report. I have been contacting with no luck in getting the problem resolve.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Prior to closing, XXXX withdrew the loan without my consent and now want to reinstitute the same loan but with " points '' in excess of {$5000.00}. 
It is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: GA

Complaint narrative:
I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MO

Complaint narrative:
A company called Americollect Inc has reported a medical debt for collections to all 3 credit bureaus despite being provided with documentation showing that the {$330.00} charge was paid to the hospital on the date of service ( XX/XX/19 ). I have also attempted to have the credit bureaus correct the knowingly false information that was reported, however they have not been of help in correcting the error. 

I have attached the EOB from the insurance company showing that the {$330.00} is part of the total that was charged to my credit card on XX/XX/19. I have also included a copy of the credit card statement showing the payment to the hospital ( SSM ). Please note that the hospital offered a 15 % discount for paying the balance in full on the date of service ( {$1100.00} - 15 % = {$970.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance was notified mail XX/XX/2020. That I was exercising my rights to 15 USC 6802 ... 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly 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 no- tice that complies with section 6803 of this title ... 


B. Opt out of reporting Credit Acceptance needs to stop reporting my installments payment to all 3 credit bureaus ( third parties ) Stop reporting .... 

1681b. Permissible purposes of consumer re- ports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates. 

Credit Acceptance needs to remove themselves from my consumer 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 2021-01-21 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have contacted Navy Federal Credit Union numerous times as they have account information on all 3 of my credit reports inaccurate. XXXX, XXXX, and XXXX  have different dates they say a payment was made I have asked for proof and I get nothing from them or the bureaus but the information is reported differently. I have sent an email to CEO of Navy Federal also and still no results or fixing the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CarMax, Inc.
State: GA

Complaint narrative:
Greetings to all and I pray that all is well during these trying times. I've had an issue with a XXXX account appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/2020 for {$16000.00} and I reached out to CarMax and to XXXX  in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to CarMax and XXXX  explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing this CarMax account from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the XXXX credit bureaus XXXX, XXXX  and Transunion to remove late payment to no avail.

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 2021-01-21 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: SC

Complaint narrative:
On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX  to remove late payment to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus Experian, XXXX  and XXXX to remove late payment to no avail.

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 2021-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient send me a copy of a contract that I consolidated student loans under the XXXX XXXX XXXX Consolidation program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Since XX/XX/2020 ... .I have made over 50 phone calls to US Bank and Reliacard , gotten lies and circles for 6 months. During that time over {$1500.00} in Unemployment fron Texas Workforce Commission has loaded bi-weekly onto this card account. Faxes from three employers and a coworker giving mailing address updates trying to receive this bank card had no results at any of 4 LOCAL XXXX ADDRESSES. On two occasions after frustrated 43 minute wait times, the Reliacard rep. claimed to be Overnighting it at a {$12.00} cost ( x2 ). As of today 5 adults yet wait to see this bank card arrive.

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 2021-01-21 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: IN

Complaint narrative:
XXXX sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

Transunion sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} Transunion sent XXXX XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Opened XXXX credit card with comenity XXXX of XXXX sent a copy of OHIO orders on XX/XX/XXXX to XXXX XXXX XXXX XXXX for the Ohio SCRA act. Due to comenity only following Delaware and federal laws they refuse to follow a consumers home law. However, Delaware also extends out the SCRA act to service members even while active duty. Followed up with state laws from XXXX on XX/XX/XXXX with proof of SCRA act extending to members stationed in Ohio. They still refuse to follow Ohio law and the federal law that allows states to extend the SCRA act to their active duty members. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

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

Company response to consumer: Closed with explanation