vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest has not contacted me about this debt. Their initial communication with me has never happened. I disputed this debt and asked for validation, they sent me nothing. They have violated the FCRA and FDCPA multiple times. This is unreal, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been trying to forbear my private student loan with Firstmark Services ( I guess  through XXXX ) since XX/XX/2020. I called and emailed that day with no response. 

I emailed Firstmark Services on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Investor Relations ), XX/XX/XXXX ( Investor Relations-XXXX  XXXX XXXX, XX/XX/XXXX ( still trying to forbear my loan ), XX/XX/XXXX ( complaint about total of what I owe being changed on front page of account ), XX/XX/XXXX ( asking and praying for them to not be dishonest anymore ), XX/XX/XXXX ( another complaint about them changing what I owe them in total on the front page of my account again. 

I have talked to XXXX on the phone on these dates : XX/XX/XXXX XXXX XXXX XXXX XXXX ( I think it might be XXXX XXXX or someone else named XXXX. She called me, and I called her back at XXXX XXXX XXXX XXXX XXXX. She then called me on XX/XX/XXXX, and I had to call her back with the same 800 number. She had me write down contact information about Firstmark Services and XXXX, and she emphasized which XXXX number to call. I called the XXXX number she suggested at XXXX on Monday, XX/XX/XXXX. The first time I called, I talked to woman. The call dropped. I called a second time. A man answered. He asked for some information and said he was forbearing my loan for three months. Oddly enough, he said XXXX XXXXNSTEAD of XXXX. I dont know why he said it that way. I havent heard anything from them ever since. Even though he said he put it on forbearance, my loan on the Firstmark Services website says I owe {$140.00} on XX/XX/XXXX as always. I have checked the website most days with no change. I even sent an email request with the form they suggest on Wednesday, XX/XX/XXXX as a last resort. 

What I originally owe on my loan is {$2000.00}, as stated in the account details. On the front page of my account, however, they are slowly making the total amount on my account slightly higher. ( I take pictures on my phone of this whenever I notice a change. Im also autistic, so I easily notice details like this. ) On XX/XX/XXXX, they changed the current balance to {$2000.00}. On XX/XX/XXXX, they changed it to {$2000.00}. 

Im still learning about how private student loans work, but I never knew how much they mishandled things and lied to their clients until the COVID-19 pandemic came. I dont even know where and how to refinance yet, but I believe its an injustice for these banks to not only take advantage of me but also others, especially people with student loans. I need help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My autopay was returned one-time back in XXXX 2019, I did not realized this. And TD charged me late fee every month without giving me any notice. When I realized the fee charges at XX/XX/2019, I paid the whole balance with total late fee of {$310.00} ( seven late fees ). 

I contacted TD auto finance at XX/XX/2019 trying reduce late fee. Since I did not realized the returned payment and TD never notify me or retry to charge the monthly payment before charging me late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27 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: PNC Bank N.A.
State: FL

Complaint narrative:
My bank account with PNC won't allow me to connect to the loan website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Went through process of having home assessed by realtor to have PMI dropped. 

Paid {$150.00} to Freedom Mortgage ( check cashed by FM ) Realtor visited house on XX/XX/20 Received report from Freedom Mortgage customer care on XX/XX/20 confirming eligibility to drop PMI Received bill due XXXXDID NOT REFLECT dropping PMI Called FM on XX/XX/20. Customer service rep initially told me FM has " no information '' regarding this. I insisted they did, and they in fact sent it to me After being put on hold, customer service conceded that they did have the info, but the paperwork was " overlooked '' and they would update my account and send me an accurate bill immediately. 

My electronic account has NOT been updated and I have not received an adjusted bill

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried several times and put on hold minimum of 35 minutes.. Customer repj. would transfer to 2-3 departments and then phone would be cut off. We would have to go thru the same thing over with more waiting and nothing being done with people who we can hardly speak English. Frustrating when you are being on hold more than 20 minutes. I PAID OFF MY balance of {$10000.00} on XX/XX/20 per my conversations with the rep on that day and on my statement. Told them to closed my account. When to see my credit score on XX/XX/20, it went down from XXXX to XXXX because I was being charged of {$110.00} interest that I was not aware that Citi bank charged me after I paid off my balance. Called theme and always being putting on hold after I told them to reverse the fees and reverse the late payments on my credit report. HELP

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 monetary relief
Consumer complaint received 2020-04-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
hello, i have a XXXX  XXXX credit card. my payments were not being updated on my transunion report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my XXXX  XXXX account. the account is still active and being used. the deletion does not show on my XXXX  report, only transunion. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with transunion, who sent me to XXXX  XXXX, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.

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 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: Aqua Finance, Inc.
State: PA

Complaint narrative:
I purchased kitchen cabinet remodeling services through XXXX XXXX  with the contractor being doing the work as " XXXX XXXX XXXX XXXX '', as a revolving credit account which was assigned for financing to Aqua Finance , Inc . I recently applied to refinance my home and was informed that Aqua Finance , Inc. is showing up on my records as a mortgage with a home improvement lien against my property. I was never advised that this would be the case or stipulation. I contacted Aqua Finance, Inc. and requested a release of lien letter and they will not do it. My welcome letter state revolving credit program, revolving credit account, credit purchase. Nowhere on my billing statement does it say anything about mortgage. 
I have no problem paying the account as a revolving credit account, and my account and payment status is current. 
I do however a problem with the lien on my property without my being advised, informed, etc., and nothing in writing that informed me of such. Please advise what can be done to legally to have Aqua Finance , Inc. provide me a release of lien letter as soon as possibele. 
Aqua Finance , Inc., XXXX, XXXX XXXX IL XXXX XXXX ext. XXXX Acct # XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute SXXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute MXXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have attempted to remove a security freeze with Experian in XX/XX/2020. I mailed them my name, government issued id, and a utility bill from my current address. I can not access my PIN nor can I speak to a live person. 

I apply for new credit cards and they are denied because of this freeze that I want permanently removed.

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 2020-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 14 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit report, instruct the credit bureaus to delete these inquiries immediately. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}

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 2020-04-27 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: OK

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}

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 2020-04-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance has repeatedly removed and reinserted this debt. On or about XX/XX/2020 the account was added after previously being deleted following a dispute. 
When I contacted the local branch, I was told I needed to call the collections dept at XXXX ( XXXX ) XXXX. When I call that number inquiring about this account ... I was told the collections account is closed. 
So I called the branch back. At this time I was told the account had a balance of nearly {$800.00}. 
This account is reporting at {$300.00}. 
Why is a closed collections account reporting as open? 
Why is the loan holder reporting {$300.00} debt but Is asking for {$800.00} Although the debt is not mine, they removed and added this account several times over the years, the statute of limitations is approaching, they keep re-aging the debt, and reporting inaccurate amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been trying for several years to reduce the interest rate on mymortgage. I am XXXX and the only income I have is social security. Wells Fargo has been giving me the runaround. 

I again tried to reapply this year and they still give me the runaround. I talk to representative on the phone many times and get no answers. You would think that with the current financial worldwide issue they will listen. I am asking for a rate reduction that's all. 
I have a ref. # XXXX My mortgage no. is XXXX The property is XXXX XXXX XXXX XXXX. XXXX XXXX, nY XXXX Please help the stress is overwhelming ... I just had XXXX and the prognosis is not good

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 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
MY FORTIVE/XXXX XXXX-BUYER BEWARE!!!!! 
PAID PERFECTLY FOR A FULL YEAR, MADE A PAYMENT ARRANGMENT FOR FINAL PAYMENT WITH A POST DATED CHECK TO AVOID DEFERRED INTEREST CHARGE AND WAS CHARGED ANYWAYS EXTRA {$940.00} PLUS FEES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My family was impacted by XXXX, I am in real estate and was unable to work and all of us were sick the first part of XXXX. We immediately utilized the XXXX assistance program for mortgages with Chase. We were assured we were safe for 90 days. We have paid our mortgage ON TIME for 14 YEARS!! Chase then reported my missed payment to my credit report and I contacted them right away. They assured me they would correct, and again they were there to support me and not to worry as they would be in touch after the 90 days to assist with options. I received notice of my loan being transferred to XXXX XXXX as of XXXX on XX/XX/XXXX via USPS. I immediately researched the company and there are a number of complaints about their unwillingness to support homeowners. They are in fact an REO machine!! I made several attempts to contact Chase ( waiting over 3.5 hours at a time on hold and then via messaging through the app ( as directed when they hang up on you after holding for 3.5 hours ). Finally got through today, and was told they are working on repairing my credit. I expressed my concerns with XXXX XXXX and the fact that I was being transferred 2 months behind in payments making me vulnerable to their questionable business practices. 
I do not feel this is fair or even legal, to sell my loan off during a global pandemic when my account was supposed to be on hold in the first place to protect my home!! Chase has left me vulnerable, and both companies are profiting off of a global pandemic!! I need help to stop this, please.

Company response to consumer: Closed with explanation