vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: UT

Complaint narrative:
I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: UT

Complaint narrative:
I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from 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 2021-07-15 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
This is my second complaint about this issue. An economic payment card for the amount of {$1200.00} was issued to me by the IRS in the year of XXXX. The card was sent to my old address, I have updated my address with the IRS and U.S.P.S. What I need is for the second round of stimulus to be sent again for the amount of {$1200.00} to my new address. The company did try to send me a new card but they send the third round of stimulus which is not the one I need. They sent me a replacement card for the third stimulus check for the amount of XXXX that is NOT what I need replaced I had no issue with that round. I need round 2 replaced for the amount of {$1200.00}.

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 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT SYS INTL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
In XXXX of XXXX, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

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 2021-07-15 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: CA

Complaint narrative:
In XXXX of XXXX, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

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 non-monetary relief
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have contacted the company directedly and went through you all and they have resolved the issue 100 %. However on my report TransUnion refuses to remove the inaccurate debt on there and it is hurting my score and causing me stress. How can they still report it when the company explained that it was a mistake and to remove it from my file. I contacted transunion too but they still are reporting it falsely

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Ally finance. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. XXXX XXXX  was the only company that said they will send an email to XXXX  stating that I did not give them permission to run my credit but XXXX  says they never received anything.

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 2021-07-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I requested a quote for car insurance and the attached document show why my car insurance quote is so expensive. Five years ago, I had an accident and was told I did not have full coverage which is incorrect. I always have full coverage on all of my vehicles. I am still trying to locate the hard copy because I told USAA several times that a mistake was made but no one ever got back to me. I told USAA at least 8 times a mistake was made, so I ended up paying out of pocket for that accident. Now looking at the attached document there seems to be duplicate claims listed on my XXXX consumer report. I am so frustrated with USAA and I believe because of their errors on my report I have been overpaying for my car insurance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: FL

Complaint narrative:
Hello, I am writing this message because I found the item in Transunion that is not mine. I can not understand why this account appeared in my credit report. Its a mistake I guess, so please take appropriate actions and remove this item because its killing my score.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a compliant to the CFPB about AMEX ( XXXX-XXXX  ) and they closed the complaint by saying a refund had been issued. This is incorrect, no money has been refunded to date and they have intentional lied to the CFPB to close the complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Please see attachment Company has provided questionable information about total balance Company has been wrong/misleading about appeals process Company provided information that led to balance increase rather than decrease All detailed in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I lost my second income during the pandemic and my spouse left me. This caused a drastic change in my finances. I called and was placed on a forbearance plan sometime early last year. Of note, there was no mention that when I did a forbearance all of the missed payments would come due at once. I had no idea. This is on me, but it would have been nice for the loan servicer to be proactive in stating that. Also, of note whenever you speak to loss mitigation you are transferred to a new department and the workers never understand what I need or how to help me, even though the previous department understood clearly. 

When my forbearance ended and I realized I had to pay the full amount I applied to have my payments moved to the end in a balloon payment. No other options were presented to me and I didn't know to ask for anything else. This was " approved '', but has been ongoing for 9 months. I was told to resume making my monthly payments or have late charges assessed multiple times, including on XX/XX/2021. Other times you are told you are in forbearance and will not have late fees or negative credit impacts by missing the payment date by a few days. For instance, I had to spend all day trying to find {$200.00} to make todays payment ( XX/XX/2021 ) as I was told I would have a late fee of XXXX and be reported to the credit bureau at the end of the month. I also spoke to one customer service representative who told me I did not have any other remedies as I had already accept the first loan modification. Again, this was not explained to me. I knew I was asking for a balloon payment, but I did not know that I was barring myself from other assistance. When I called today, like often occurs, I am told completely different stories. What obligation do these companies have to provide accurate information when the only access you have to the companies are through their own hired representatives. Today I was told I could ask for loan modification for interest rates, payment amounts, loan lengths, etc. even though yesterday I was told that was not an option. I am transferred again to loss mitigation who tells me I can't do anything because my loan is not current. I have now made 5 monthly payments in 2021. Why is my loan not current? The only reason it is not current is the company " has to process it on their end. '' I would love for it to be current so I could move forward with payment and exploring other remedies, but they have held me XXXX in this limbo for months. 

Now my payment has gone up {$500.00} a month due to my escrow account. I need to work on interest rates, loan terms, etc. but I can not. If I can not pay the loan hardly as it is, it's wild to think they can increase payments by 17 % and that I could pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. Discovers response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me.

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. Discovers " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone.

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account.

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus.

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting.

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls.

I live and have lived in XXXX, Tx and not the address Discover has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021 I submitted an application to Refinance an existing mortgage that was under my fiancs name, ( he passed a away so I needed to assume the loan ). Every single contact I received from them requesting Documents or information was answered in a timely manner with accurate and requested information. I received a conditional approval at 2.5 % on XX/XX/XXXX. I contacted my processor and various times to make sure I understood what was needed. I submitted all requested documents. My mortgage payments for XXXX and XXXX were on auto draft thru the same bank. On XX/XX/2021 I called my processor because I had not heard from anyone. I was then informed that my loan was canceled at my request on XX/XX/2021. I never received a call from Navy Federal, I have no record of any call in my phone records or emails. They stated that I requested the loan cancelation due to not being able to make the monthly payment for XXXX. My Loan payment was set on auto draft from the same institution. The payment cleared the same day as every month. I signed a form with date of auto draft request ( Page 3 of the Initial Loan Packet, Easy Pay Authorization. They proceeded to tell me that I would have to re apply for the loan and my 2.5 % would not be held. This is a complete violation of my security with Navy Federal. I never spoke with anyone regarding cancelation of the mortgage refinance, my cellphone should be the only contact number they have on file. There are no missed calls or accepted calls from Navy Federal on XX/XX/2021. I do not know who they spoke with and what verification process they had to move forward with that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, NCA has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: IL

Complaint narrative:
Company : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX Account : XXXX Issue : Unable to withdraw funds from account. Attempts to withdraw funds out of the platform have failed without any notice. Company 's site states that money must be withdrawn to the same account it was deposited with to comply with anti-money laundering regulations. Having used this account/service over a period of many years, it is reasonable that occasionally accounts must be opened/closed/changed. Regardless, I have tried to open support cases with the company to validate the external account for withdrawal is in fact my account, but attempts to get this resolved through their support have been unsuccessful. Support case was opened on XX/XX/2021. It was not even replied to until until I again followed up on XX/XX/2021, of which I immediately responded and uploaded the requested document to validate my account. I followed up again on XX/XX/XXXX, and XX/XX/XXXX, with no response from LendingClub in either case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Introduction : The bank ( America First Credit Union ) block my funds due to I owed them money from a credit card I do have with them which I see no fair. Since last year XXXX XX/XX/XXXX XXXX my husband become unemployed due to a COVID-19 and that cause a big hardship to ours personal assets. Between that time I am the only work at home and I am not able to keep or make the monthly payments to America First Credit Union. Also I remember in more that 2 time call them and ask for payments extension. I have to make some hard or unwanted decisions to keeping stand financially for my family, so I have to apply for one of these programs ( debt relief ) and ask for a consultation. I end to decide for this option and make contract with XXXX XXXX XXXX, they now negotiating with all the accounts under this program and America First Credit Union is one under this program. 
Dispute : Today ( XX/XX/XXXX ) I find out that after IRS deposit the payment of the Child Credit of {$750.00}, the bank retained the whole amount and apply to the credit card debt I have with them. I feel unfair since I am on the middle of negotiation with them and also they should have notes from me on the past about the hard time we across financially, plus the new law about COVID relief between creditors and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
first va was notified that I wasn't able to make payments ... I let them kno that no payments were allowed to be taken out of my account the continued to take payments out of my account unauthorized on XX/XX/XXXX for XXXX then on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX I called the local office on XX/XX/XXXX and asked for cand d mail only communication ... with local office where the manager was cursing me and hanging up on..I called corporate and turned her in and also notified them again that no authorization of payments were to come out of my account no further communication but my mail only ... abs they continued to debut my account..refused to return the funds that unauthorized and continued to call on XX/XX/XXXX, XX/XX/XXXX 2 times.. XX/XX/XXXX and XX/XX/XXXX from. local office and corporate office called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and 3 times on XX/XX/XXXX leaving messages for a return call.

Company response to consumer: Closed with explanation