vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 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: IL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: FL

Complaint narrative:
I Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit 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 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received two separate insurance payments from the insurance company on a hurricane Michael damage claim. The first settlement was for {$44000.00} and a little over a year later I received a second payment on the same claim for {$92000.00} I sent the check to Fifth Third 's ( the mortgage company ) loss draft department via certified mail and they signed for it on XX/XX/2020. On XX/XX/XXXX I made an online request that the proceeds be used to settle the mortgage balance of approximately {$120000.00}. The loss-draft department acknowledged receipt of my request on XX/XX/XXXX as well in an online response that indicated someone would contact me " shortly '' ( I have all of these documents saved ) On XX/XX/XXXX I began calling to find out shat " shortly '' meant. On XX/XX/XXXX the request was forwarded from the loss draft department to the Mortgage Department. Since then on various calls I have been told it would take 3 business days, then 4, then 10 and then finally on XX/XX/XXXX I was again told it would be an additional 10 business days. 

During the time between their receipt of my money and their application of it to my mortgage my loan continued to accrue approzimately {$15.00} per day in interest charges. Additionally they held an overpayment in excess of {$7000.00} without payment of any interest for over one month. 

It is my opinion that the delays in this case were excessive and that the institution attempted to profit by intentionally inordinate delays in internal paperwork processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
contacted by collecting agency called convergence which is collecting for XXXX XXXX in XXXX Texas saying I owe {$240.00} the problem is I have never been to Texas to my knowledge have no family living there and was not aware of this XXXX XXXX until they contacted me. I have made attempts to correct this but the are convinced I made this debt, I have explained the state that I live in which is XXXX Tennessee and never been to Texas. who ever did this had all my information including my social and really causing me great stress. I don't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I am the Seller of a home in XXXX Florida that closed on XX/XX/XXXX. Per the terms of the contract I offered to provide the buyers with a new A/C system. The cost of the new A/C system was {$5500.00} of which {$540.00} was pre-paid. The Lender required an escrow hold-back of 150 % which equaled {$7500.00}. The A/C system was installed XX/XX/XXXX and a Escrow Release Agreement was signed XX/XX/XXXX. To date ( XX/XX/XXXX ) the A/C company has not been paid nor have I have received the {$2500.00} held back over the {$5000.00} remaining balance of the A/C system. Homebridge Wholesale refuses to address the title company 's multiple request for an explanation of when the escrow hold-back will be released nor do they respond to numerous phone calls from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I received a loan for {$900.00}. I made 1 payment online. I went to make the 2nd payment and it said my account was closed ( it's not ) and I could not make the payment, nor was I notified I would need to mail the check earlier. I sent a check and sent them an email saying there was no way the check would get there before the due date ( Its due on the 12th and I paid it on the 10th ). Well they reported it to my credit report and and have called me at work over 20 times a day. I sent them an email telling them do not call my work, I still receive calls on both my office and my cell. I am not allowed any personal calls except for an emergency. Today, they had a sheriff drop off a note saying I am late ( which is their fault not letting me know I couldn't pay online ) which is embarrassing. I am being harassed over this payment! Now with the Covid19, I have no idea how long anything will take to be mailed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: FL

Complaint narrative:
I Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit 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 2020-03-16 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: CA

Complaint narrative:
I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
As 5 decade members of NFCU and seniors with a VA XXXX, NFCU failed to give us a fair processing of our mortgage application. 
The loan was approved by the credit review team on XX/XX/XXXX with a XXXX XXXX and DTI well within VA guidelines. I was told that the everything looked good and the target closing was on XX/XX/XXXX. On XX/XX/XXXX we got an urgent call for payment of the appraisal fee and an appraiser would call within 5 days. No appraiser ever called. 
At XXXX XXXX  on XXXX XXXX we received an email ( attached with auto replies ) stating our application was terminated after a Credit Review Team meeting. When I replied within minutes both to her  and her supervisor were returned reading they were out of the office from the day before their email until XXXX. Businesses don't send an email like this on XXXX XXXX unless they are vindictive. 
The follow on denial letter received in XXXX merely was a checkbox for DTI and prior credit history, contradicting what I had been told previously. Most importantly, at no time during this whole 45 day process did anyone at NFCU raise any concerns, ask for clarifications, propose any options. 
I also received no immediate credit for appraisal fee as promised and I had to file a claim with the credit card company. 
This leads us to believe that we were denied due to a late year change in policy about senior members on VA XXXX having mortgages with NFCU or we were deliberately strung along as retribution for a bankruptcy filing nearly 10 years ago. 
An subsequent application on XX/XX/XXXX to XXXX just closed, was approved and well within DTI limits which confirmed our suspicions of NFCU bias against seniors or us personally. Our loss was 3 months of interest / PMI payment savings totaling {$1000.00} plus unneeded stress and humiliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: 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 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF bank authorized my account to withdraw {$3000.00} to XXXX XXXX in 4 different transactions even though doing the first {$500.00} caused my account to be overdrawn and then proceeded another {$1000.00} withdrawal, another {$500.00} withdrawal and then another {$1000.00} withdrawal all within minutes of each other. I reported it within 48 hours and was told to file a police report. The police detective working my case deemed this identity theft and I proved this to TCF. They still refuse to refund my money saying XXXX XXXX says I approved these amounts and benefited from this! My daughter, who is the primary person on this account, is handicapped and deaf. Her phone was hacked and all her information had been stolen. She in no way approved this nor had she ever used XXXX XXXX prior to this and our history proved this! TCF has been horrible to work with and refuse to help or let you speak to their dispute dept. They closed the account out and sent us to a collection agency for their fees. They took back the {$3000.00} from my daughters direct deposit from her XXXX XXXX check and the rest from her sisters account because I, the mother to both girls, am the secondary person on both accounts and shorted her for her monthly bills. When she called to question it she was told to get the money back from her mother!!! TCF have been nothing but rude to deal with. I am going to need an attorney to get this {$3000.00} back because they are ignoring a police report saying this is identity theft. Please help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Several charges were made on a card that I do not use for any reason and have not in years. I opened the card simply to enact a cheap balance transfer that was concluded years ago. 

The charges can not have occurred with the card in question as the card resided in a ziplock bag inside a drawer inside my own home. Citi are claiming the charges were made with a physical card which is impossible. Citi issued a new card and advised that I destroy the old card which I did. 

Citi claim that because the card was in my possession and a physical purchase was made that I MUST have been the one who made them. I of course did not and fear that identity theft or a breach at Citi has resulted in someone being able to access my information, or clone my card or some combination thereof.

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 2020-03-16 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: TX

Complaint narrative:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: 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 2020-03-16 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: 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 2020-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a saving account with BOA since late XXXX and minimum deposit was {$300.00} to avoid any low balance fee, i have been maintaining that fee since a long time, however BOA charged me late fee of {$8.00} for low balance, i talked to customer service rep on XX/XX/XXXX at XXXX and they were unable to waive the fee They told me that we upgraded your account to Advance saving whose min balance is {$500.00}, i told them i was never notified and BOA told me it was upgraded automatically this year and all the old saving account product was disconnected I tried to explain them that its not my problem, this was an upgrade from your end and you failed to notify me that you upgrading automatically which resulted in fee charge I requested to speak to a supervisor and after waiting 1 hour on line they disconnected the call, i called back but it was like 2 hour wait time

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