vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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: PA

Complaint narrative:
I have disputed hard inquiries with Transunion, XXXX, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to 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 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
I had called the company in regards to high interest rate and they told me that is the way it goes and hung up on me ... I called again and asked if it could be lower and told them in state of Minnesota they could not charge that amount and they told me they could charge whatever they wanted, as they are covered by XXXX XXXX XXXX. But after talking with the states Attorney General they are not licensed to operate in Minnesota or to be federally regulated. So I called them again cause at this point I could no longer access my account online to check out my history. But they refused to tell me why my account was not active, they told me it was my website but it wasn't as it told me their was a payment coming and you don't have access at this time. So they lied to me ... Second I have made XXXX payments with approximately XXXX made to this account and I'm getting past due notices saying I owe more than I borrowed ... I borrowed XXXX on XX/XX/XXXX. They have applied no payments to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
This bank purposely arrange what they pay first, Bank fees are extremely excessive.They charge you a fee if you transfer money from your savings to your checking account. I refuse to clear up both of my checking account that will close soon because of excessive bank fees. In my business checking I have {$37.00} fee per day and they havent paid not one of my charges. I spoke with the XXXX XXXX ( XXXX XXXX, GA location ) and was informed that this bank paid the transactions thats why I had the overdraft fee which wasnt true. This has happened twice so you end up paying both the company that you wrote the check to and all of the excessive bank fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: PA

Complaint narrative:
I have disputed hard inquiries with XXXX, Equifax, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Returned merchandise at the store level On XX/XX/XXXX invoice return credit did not post Paid monthly bill at store level via check Check was not processed on my bank statement On XX/XX/XXXX balance showed {$180.00} did not reflect check payment On XX/XX/XXXX still showing $ XXXXbalance Late fee added to the XX/XX/XXXX statement still no credit adjustments shown Frustrated paid the {$230.00} which included the lates fee and requested XXXX to close my account On XX/XX/XXXX Received another bill for a balance of {$44.00}. That was paid even though no further purchases. Through this ordeal I have paid for merchandise I returned along with 2 late payments totaling {$88.00}. 

All balances along with two late payments were paid, closed the account, frustrated and only open this account credit card because the store representative encouraged me to receive the 30 % off sales. 

I called Comenity Capital Bank several times of which was transferred to several departments. I recently spoke to a XXXX representative at XXXX XXXX XXXX and she said that she would sent my concerns to the finance dept. 

I am in the process of buying my third home and was informed that I have a blemish on my credit report from XXXX / Comenity Capital Bank. 

You can clearly see by reviewing my credit history and banking w/ XXXX  XXXX XXXX that I am a responsible consumer- I still buy my clothes from XXXX but use my MasterCard from XXXX XXXX  and ALWAYS pay the balance in full each month. 
I charge approximately XXXX per year with this card and NEVER missed a payment in full. 

I am asking that the companies involve to reconsider removing this blemish from my credit history. 

See XXXX XXXX and Comenity Bank records. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: U.S. BANCORP
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, US BANK, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Have tried since XXXX to call and write the servicer SLS Speicalized Loan Serving, for help and they just keep delaying and finallly said not able to grant the forbearance. They don't give a reason and since we have an FHA backed loan it is our understanding that they are required to grant a forbearance. We have tried for so long to comply with their requests but getting nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I applied for a refinance of my existing mortgage on my property in XXXX XXXX Delaware in XX/XX/2020. The company - AmeriSave Mtg. Corp - created an online portal for me to upload all the financials and reports they needed for the loan. They have repeatedly asked for duplicates or more recent ( since it's taken so long! ) documents but I still do not have a date for closing. The company representatives have assured me that all is well and that they're working hard to get a close date, but then I don't hear from them for days and days. 
I talked to one gentleman, XXXX XXXX on Monday of this week, who said he'd call me back with an update - later that day. I haven't heard from him since, and I've called him 3 or 4 times, leaving voicemails.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: AZ

Complaint narrative:
On XX/XX/2020 I wrote dispute letters to XXXX, XXXX and TransUnion disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to 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 2021-01-08 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: AZ

Complaint narrative:
On XX/XX/2020 I wrote dispute letters to XXXX, Equifax and XXXX disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
So, XXXX- Nationstar required an escrow to pay for my insurance for my mortgage. After 35 minutes on the phone, I was informed that Nationstar who collected my $ XXXX in escrow to pay my home mortgage insurance would not be making my home mortgage insurance payment and would not be refunding my money in order for me to be able to pay my home mortgage insurance in a timely manner, nor would they provide a letter to my home insurance company explaining the reason for the delay in my insurance payment, thereby preventing my home insurance from being cancelled. 



Further, a Miss XXXX, whom, by her own attestation is the only XXXX who works for Nationstar, as she REFUSED to provide her last name, or connect me to her supervisor XXXX, who also does not have a last name, and is in fact by her assertation the only XXXX that works for Nationstar. 



I would like assurance that my homeowners policy will not be cancelled as they people ( Nationstar ) failed in their one and only responsibility to PAY the property insurance they they required be escrowed or refund the escrow in a timely manner as not to have my homeowners insurance policy cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: MN

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019, XXXX XXXX, XXXX XX/XX/2019, WELLS FARGOXXXX XXXX XXXX, XXXX XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX over {$300.00} worth of charges were on my account! I messaged someone changed my password then called several of times!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a home equity loan with Discover Home Loans. Originally I applied concurrent with a refinance ( from another lender ) of my first mortgage. Discover had told me it was appropriate to apply concurrently, however, I was later informed that I would have to reapply after the refinance closed ( which was imminent when I was informed ). When I reapplied, Discover informed me that the value of my home had decreased from approximately {$1.00} XXXX ( per Discover appraisal in XX/XX/2020 ) to {$950000.00} ( Discover appraisal in XXXX ). I filed a dispute but no action was taken to properly resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
CHIME this scam of a company, put my account on hold without letting me know. Now they want a picture of my social security card that I as a victim of fraud am not obliged to give them and they want my social its a violation of FCRA! They put my account on hold and holding my money I have insurance Ach and other ACH that if they will bounce they will be subject of lawsuit. You have to stop this mafia! I gave them federal ID plus my bank statement! Now they dont have the right to ask me anything, when I opened my account nobody wanted any of these documents. Im on the line with them for 1,5 hours they dont answer the phone, dont respond to emails only after 3 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have home mortgage with Citizen one loan number # XXXX  currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XX/XX/XXXXof 2021 and next payment is due onXX/XX/2021.yet again citizen reported to experience credit agency that I mortgage balance is high now .My bank altered me that citizen one home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them citizen bank, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
This complaint is about my auto lender, Ally Financial. I had a car accident on XX/XX/XXXX totaling the car. I reported immediately to my insurance company, XXXX. On XX/XX/XXXX, Ally faxed a payoff amount of XXXX to XXXX good until XX/XX/XXXX. On XX/XX/XXXX XXXX paid {$6800.00} to Ally and car should have been paid in XXXX. I did not need my Gap insurance as my car equity was higher and I received from XXXX {$2300.00}. My bills at Ally continued to reflect that I owed {$0.00} thru XXXX, XXXX. 

In XXXX, Ally sent me paperwork for Gap insurance. I called about this and they said I might be entitled to a refund from Gap. I called the Gap insurance XXXX XXXX, contract GW XXXX ) who said they needed title pay off letter. I called Ally back and they said my account was CLOSED so they couldn't see the account but I still owed {$370.00}!! 

On XX/XX/XXXX I spent SIX hours on phone with Ally and spoke to 7 representatives trying to work this out. They said they did an " internal investigation '' and decided that I had NOT paid in FULL and that XXXX had NEVER called them and that XXXX had sent them that amount arbitrarily. 

On XX/XX/XXXX I got a letter from ALLY with a NEW PAYOFF AMOUNT ( for a car that was PAID OFF XX/XX/XXXX!! ) saying I actually owed {$7100.00} not the {$6700.00} they said in XXXX! 

They starting making collections calls ( 4-5 times a day! ) for said PAST DUE amount in XXXX and reported me delinquent to credit bureaus XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX the called my daughter 's MOTHER IN LAW and MY NEIGHBOR about these charges!?!? At this point I sent a " cease and desist '' letter for contacting me, my family and Neighbors. 

I do not feel I owe them ANYTHING and this is a scam to get more money plus interest. There are thousands of similar complaints of cars paid off after being total on the ther XXXX page, XXXX and Consumer Affairs. ( I have screenshotted numerous complaints if you would like to this info, too numerous to include here. ) It is horrific how they conduct business and they should be shutdown! 

I want this charge removed from my account and my credit bureaus notified that my account is current and closed in GOOD STANDING!

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 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, my mortgage bank Flagstar Bank, deducted {$4000.00} from my escrow account to pay for the property taxes for my house. When I was checking this later in XXXX at the County 's website, I noticed the property tax had not been paid by Flagstar. I called Flagstar about this and I was also told to call XXXX XXXX about this. XXXX XXXX is Flagstar 's vendor that transfer the payments to the County. Flagstar told me they deducted the money from my escrow account and sent it to XXXX XXXX and XXXX XXXX is responsible in paying the property tax. Since Flagstars has many escrow accounts for all their loans, they will send the money to XXXX XXXX in a huge bulk sum ( for this instance they mention the amount was over {$1.00} XXXX ). When I called XXXX XXXX, they tell me they never received the money from Flagstar for my property. I have been calling both Flagstar and XXXX XXXX since mid XXXX and both sides keep telling me that they are still researching it. This is very concerning as money has been deducted and it seems both parties do not know where the money went. 

I also would like to add a note, I forgot that I had this escrow service set up. So I actually paid the property tax on my own by accident. I have the receipt of the tax payment from the County that I did on my own. So I believe this could not have been a mix up by the County. I also called the County and they verified they received the payment that I sent myself on XX/XX/2020.

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