vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have attempted several times to advise the credit reporting agencies/ XXXX , XXXX , and Experian that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXXXXXX Inquiry-XXXX XXXX XXXXXXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX  XXXX Then with Inquiry- XXXX XXXX Inquity -XXXX XXXX XXXX XXXX XXXX - account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.

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 2021-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

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 2021-03-16 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management initiated a warrant in debt suit in XX/XX/2020. I sent them a letter asking for proof that it was my debt since my information has been involved in 2 information breaches. I also kindly explained to them that I am on XXXX. 

The court case was continued. I received the results of their verification past the 30 day limit ( late XXXX ) and in that letter they failed to provide a valid signature bearing my name. I was provided a print out with my name, date, address, and notification that they completed their investigation. 

The company also had previously closed my account on my credit report. Monthly, the account is reopened and I am notified that new fees are added. My credit score depletes and then the account is removed again. 

I am scheduled to reappear in court on the XXXX of this month, which, I am sure will be continued for a 4th time ; since they refuse to provide me with adequate proof in the allotted time. 

This is not my credit card. I do not think manipulating my credit report to encourage me to pay debt that is not mine is appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have already tried to submit tickets to the Lakeview, ticket # XXXX. I was simply asking for a letter stating that they made an error so I can get the issue resolved with the credit bureaus. The Loss Mitigation representative laughed at me and said that they would never admit that they made a mistake and I was wasting my time. He said that they did this to thousands of customers and they explain it the same to everyone. He then disconnected the call. 

On XX/XX/XXXX my mortgage servicer Lakeview approved a forbearance. Due to coronavirus restrictions my wife was no longer able to work. My account was past due for XXXX at the time we entered forbearance. Lakeview sent several correspondence saying that a forbearance would not negatively impact our credit. I understood that XXXX would be considered past due until I paid that balance. I made payments throughout my forbearance to avoid any modification at the end. 
During the forbearance they marked 5 out of 6 months as 30 days past due : XXXX, XXXX, XXXX, XXXX, and XXXX. They also marked XXXX as past due despite bringing our account current in XXXX and ending the forbearance. Below is a timeline of my forbearance : XX/XX/2020 : Forbearance approved XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX, XXXX, and XXXX XX/XX/2020 : I requested to end my forbearance I'm in escrow on another property and they refuse to supply a letter admitting they made a credit reporting error. It doesn't look like I was in forbearance, it looks like a missed a bunch of payments. This just seems so predatory and wrong

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 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent a 609 letter to XXXX, XXXX and TransUnions on XX/XX/2021 to remove and verify some accounts that have been reported as late, that were never late on my part. I take pride in making sure my bills are paid on time. But They have been reported negatively and in turn put a financial strain on me an my family as we can not get approve for a car or house. I requested to have them take a look into this but have not complied with any proof and it has been over 30 days now. I sent a demand to comply letter aswell. My reason for this complaint is because the bureaus are not doing their job or anything about my 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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX and and XXXX I withdrew {$220.00} and {$500.00} from My grain credit wallet I have made numerous payments since then.On XX/XX/XXXX Grain sent me a statement showing that after interest and payments made that I owe {$680.00} and my next payment was due on the XXXX of XXXX but they reported to credit bureaus that I owe XXXX and am using 178 % of my credit limit with them when I am only using closer to 91 % the app to make payments has also been down and they have tried to make updates but it keeps me in a loop so I cant even add my bank account to make payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On approximately XX/XX/2017 my vehicle was repossessed and I was refused a payment reinstatement and a payoff amount. The creditor did not give me the date, location, or sale price at auction, regardless of my calls. 
My complaint is they failed to give me proper notice by rule 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 2021-03-16 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: MD

Complaint narrative:
there is an incorrect item on my credit report i have disputed the item Transunion came back as saying it was previously disputed and they refuses to investigate the incorrect information

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: UNITED FIDELITY FUNDING, CORP
State: OK

Complaint narrative:
After our application was approved, we were ready for an appraisal. Our first appraisal did not pass based on the type of loan we were trying to get. The company told us we could fix everything that the appraiser called out and have a reinspection done. We were ready for a reinspection and after the mortgage company took our payment for that reinspection before it was even scheduled, the mortgage company proceeded to inform me that they can no longer use the closing company we had picked out to use. They refused to let us close with the closing company we had originally picked out and were going to make us choose a different company. I was advised by an attorney that they can not legally refuse to use the closing company we had planned to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
In XXXX of XXXX, I made a monthly payment online to my mortgage company, Lakeview Loan Servicing. The payment posted, and then 7 days later, they took the payment out a 2nd time. I called and requested a refund. They required proof of the double payment, which I provided. A week before XXXX I had paid 2 mortgage payments, which affected my ability to provide a good XXXX for our family. I was told the refund would be issued by check. Finally after 3 weeks of waiting, the refund check came. 

In XX/XX/XXXX, I mailed a check for my monthly mortgage payment. My bank shows when the check was cashed by the mortgage company. I started receiving correspondence that my payment for XXXX was not received. When I called the customer service department, they stated my payment was not received and that I would have to provide evidence that the check cleared the bank, when I clearly have documentation that the payment was received. This issue has adversely affected by credit as it shows I have not made my XXXX payment. It is now XX/XX/XXXX, and after providing the documentation they require ( via email ), I still have not been called or notified by Lakeview that the issue has been resolved. Emails go unanswered, and no one will call me. 

As of XX/XX/XXXX at XXXX, EST, after finally getting through to customer service, they said it can take up to 5 to 7 business days to research the payment documentation I sent on XX/XX/XXXX. This is totally unacceptable. Their site shows I am 2 payments behind, when actually all that is due is the XX/XX/XXXX payment. At this point, I will definitely look at refinancing my loan with a local bank so I can get the proper handling and customer service my money and loan deserves.

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 2021-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
I have spoken with the representative for guaranteed rate with no positive results. this company was very negligent and handling my loan process which called me to lose XXXX and to lose the home that I was trying to purchase. they would wait until the day of clothes or one day before close and continue to ask for a documentation that I sent in to them every single time. They would wait 3 to 4 days after sending information in and I would not hear not one single thing from them until the day of close. There was no way I could close on a house being contacted by the mortgage company the very same day asking for more information. They continued this same procedure 3 weeks straight and the seller canceled the contract and I was not able to buy the house because of them not handling my case properly. They would not terminate the loan because the money was apparent but they held the loan over the time period that it should have been held and the seller wanted out. We would call them on a Monday to ask do you need anything additional because we're trying to close on this house by Friday. they would contact us either Friday morning or Thursday evening asking can you send other information in. Doing things in that matter we will never able to close because they kept making up different documents that they said they needed. Guaranteed rate cost me {$5700.00} I lost in earnest money appraisal money and inspection money and most of all I lost my dream house. And they have shown no remorse or no sympathy towards me and my wife losing this house which was their fault. I would like to be refunded my money lost and we are staying in a hotel right now because our lease was up on the house that we were living in. All of this is their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX est I called debt collector Plus Four, Inc ( XXXX ) XXXX to request a validation of debt, my credit report was showing that I owed {$320.00}. I provided the rep my dob and last 4 of social security number, the rep stated that there are several accounts on file and that a validation letter could not be fulfilled via phone request, I would have to request the validation by sending a letter via mail. I was then provided the business address to send the letter. I went to the USPS later that day and sent the letter certified ( see attachment ). Upon checking the tracking information on USPS.com on XX/XX/XXXX, the system stated the letter was refused and is currently being returned back to sender. 
I have disputed and requested removal of this account several times on XXXX/XXXXXXXX and asked for a validation of debt from the debt collector to no avail. This account continues to be reported without any proof of validation and is damaging my credit.

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Friend Hit me Up and Ask me Can He Use My account to receive his funds from unemployment and me being me a good friend i said yes because the unemployment place didnt accept his bank so they put my funds on hold ive been calling for weeks they said that i will receive a call back but never i sent in proof and they still didnt release the funds they just holding my friends money at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: MS

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2021-03-16 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: MS

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX SERVICES Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

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 2021-03-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo XXXX XXXX XXXX reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened XXXX : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo XXXX XXXX XXXX. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal has made it impossible to access my money but VERY easy to deposit. I had direct deposit with Navy Fed where I also have stimulus checks deposited. They locked me out of accessing my acct online and only can access by calling or going in person. However because in Texas it has been impossible to renew drivers licenses because of XXXX, I have not been able to access in person either. Now they have frozen my ability to access my money and claim it is a security risk. I have brought my birth certificate, multiple credit cards, and other IDs but they refuse to even acknowledge I am standing there. The Managers won't talk to me and constantly tell me to " go figure it out ''. Complete and total fraud on their part with NO ONE willing to help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation