vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I purchased a new XXXX in XX/XX/XXXX from a local XXXX dealership. The vehicle is financed through Toyota Financial Services ( TFS ). I have regularly called TFS to advise them that any additional money that I send in with my monthly payment is to be applied to principal only. I have sent in {$700.00} every month since XX/XX/XXXX. TFS routinely did not apply the extra funds that I sent in to principal and instead advanced my payment due date contrary to what I requested them to do. This matter has been the subject of a complaint that I filed recently with the CFPB. Today I logged into my TFS account and it indicated that I have a past due balance of {$650.00}. I have paid every monthly payment on time therefore the TFS system is incorrect. After speaking with a TFS representative for over 30 minutes I was transferred to XXXX on the Escalation Line. XXXX advised me that my most recent payment due XX/XX/XXXX was applied incorrectly which accounts for the past due status on the account. Due to TFS incompetent handling of the account I am requesting the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NJ

Complaint narrative:
Received government issued MasterCard for my 2018 tax refund. After the refund was used card became inactive, account closed. Approximately a year later the recent stimulus check was sent to that account/debit card. Instead of returning the money the bank establishment kept/deposited money. The only information I have are last 4 digits of the card number. I have tried to contact IRS and Treasury Department, no live represents to speak to. I have contacted MasterCard twice, no help yet they see the account. They referred me to XXXX to have a new card issued they claim they dont have records of me and sent me back to MasterCard. 
I am currently receiving SSDI, my benefits are deposited onto Direct Express card. I have been at 2 locations since 2018 tax season. So, treasury has outdated information but IRS has correct information. Im going in circles. I believe it was wrong to keep that deposit for an inactive/closed account, theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: FL

Complaint narrative:
I have recently applied for a secured loan. Everything was approved except the company needed to contact me by phone because there is a fraud approval on my credit that does not allow the funder to release funds until they have verbal approval from me. 
I have no idea who placed this fraud on my report. It was dated XX/XX/XXXX, it will be in effect until XX/XX/XXXX. I need it removed immediately -- I did not authorize it. Experian is the company that placed the statement on my account. I tried continually for 3 days to contact someone to talk to. No matter what phone # you call at Experian, you get a recording. I did reach a recording that told me that this statement could not be removed from on line I compiled all of the documentation required-picture of driver 's license, utility bills, copy of social security card, etc. I mailed the information XX/XX/XXXX- 2 weeks ago! I have not received a reply from Experian.. I am in a position..The loan was for remolding our kitchen appliances have been order and the contractor will not begin work until he receives the down payment..

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 2020-05-18 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: MO

Complaint narrative:
The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX  Card Services

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 2020-05-18 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: MO

Complaint narrative:
The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX Card Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: MO

Complaint narrative:
The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX   XXXX XXXX 2 ) XXXX  Card Services

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 2020-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Home Loan Center, Inc.
State: MD

Complaint narrative:
I was searching my offers for refinancing my auto loan through Lendigntree, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from credit karma telling me that a new hard inquiry was just added to my TransUnion credit report, and after that I received an email from XXXX saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in credit karma is XXXX  XXXX, I already call them and they told me that they work with XXXX XXXX, so I called lendingtree to resolve this and they told me that they can give permission to do a load application because is in the disclosure that I accepted when I signed up, but when I Search the disclosure I found this : '' Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. '' so they lied to me when I called

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I checked my credit file recently and noticed a drastic decrease. The decrease was due to a closed navy federal card. No one from navy federal notified me that my card was closed. Several months ago I was unable to use my card. A representative told me the card was closed temporarily and will reopen after 10 days. I still have access to the account information on my mobile banking but I am unable to use the card. I filed a complaint against navy federal and asked that a supervisor calls me but no one ever reached out to me. I am a XXXX XXXX and any drastic changes to my credit file and score will negatively impact my ability for any XXXX loans. I have filed disputes against merchants with navy federal and instead of investigating my disputes, baby federal closed those disputes. Those same disputes were filed with my other bank against the exact same merchants the same time I filed with navy federal. My other bank communicated with me by phone and email every step of the way. When new information was needed they called me to request information. They did their investigation which resulted in my favor. My funds were refunded back to me after their investigation was complete. Navy federal fails to do investigations. Instead they close the disputes and close 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 2020-05-18 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have been trying to fix a problem with my Equifax. XXXX XXXX  XXXX account for over a year. I now have 2 accounts. 1. '' XXXX XXXX  XXXX '' and 2. " my Equifax ''. Both of the accounts I am unable to access online and when talking with customer service I have been given the runaround at least 6 different times. Every time I speak with them they tell me it will be resolved, and each time I try to access the account I get an error message to call in. Each time I spend at least 1.5 hours on the phone with them and still nothing is resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint against JP Morgan Chase I am submitting a complaint against JP Morgan Chase Bank. In XX/XX/2020, I started a loan process with the Bank. All were going great. I was awarded a decision to close. But a few events were striking that made me doubt the helpfulness of some employees of the employees who were working on the case. 

For instance, the underwriting staff took many days off without ever communicating to me ; one employee told me that he could not confidently award me a mortgage because I have no solid income. I am making enough to be qualified for a loan more than what I was seeking from JP Morgan. 

When I reached out the manager, I was told all was perfect and the loan will be finalized by/in the following week. During the next few weeks, contact was minimal, and I was never told about the need to extend the loan commitment. The process was dragged, and I kept asking for extensions while they continued to extend the closing date, which was scheduled to be on XX/XX/2020. 

After 3 extensions, I realized the possibility of getting a denial was very likely. When I realized that my earnest money deposit was in jeopardy, I told JP that I had no more documents to submit, and thus they have had to make a decision based on the ones they had. By then, I already submitted bank statements, contracts, homeowner 's insurance, flood insurance - all which were requirements for approval of the loan. 

Chase failed to uphold its stipulations. The loan was denied. When I found out from my realtor that the EMD was subject for seizure by the sellers ' agent, I reached out to Chase to provide me a letter of denial so I could safeguard my deposit. I received the decision of denial by Monday, the XXXX of XXXX. I promptly asked for the letter. After many failed attempts to get a copy of the letter, I threatened to hire a lawyer. Until then the manager reached out to me. I received the letter on XX/XX/XXXX. By then, {$9800.00} dollars were subject to seizure. 

I want the Bureau to look into this matter because it seems that this is negligence. While I will not say this is racism, a XXXX friend of mine applied for a slightly higher loan, with less income, and was granted the loan. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-18 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
The company is GLA collections and the debt owed on my credit report is XXXX. I did call to ask about the debt to be takin off my credit report but for some reason they say it cant be. The date they have it open is XXXX of XXXX. I was XXXX from XXXX. I havent been to a hospital since last year when I had a XXXX. Prior to that I could actually speak on when I went. I dont understand how these debts continue to pop up when they are more then 7 years old. I have disputed many times and somehow its not been takin off there. I attempted to call just to try and make some kind of pmt plan to have it takin off there unless paid in full they would not. All Im tryin to do is get my credit in good standing. I believe it should be takin off my credit report. There was several more on there that was disputed and removed but the way they talked they would just reopen and have them put back on my credit report. Its now XXXX and Ive not been to any hospital. So some of these debts they have are while I was XXXX  and thats not possible. They should be removed and stay removed. I dont see how a debt can continue to be reopened or put onto my report after Ive continued to dispute the items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am struggling to pay my mortgage. I have enlisted the help of a realtor to sell my property via short sale. They have sent the offer and all required financial documentation to HomeLoanServ multiple times, to multiple fax numbers and email addresses, since XX/XX/XXXX. Still, HomeLoanServ has yet to acknowledge receipt of the documents and begin the short sale review. Each time they are called, they give a different fax number or email address. On XXXX the complete package was emailed to XXXX and XXXX. On XX/XX/XXXX we received a request from " XXXX XXXX '' of HomeLoanServ to resend some documents, which were promptly returned to him at XXXX, but he never replied. By XX/XX/XXXX the customer service reps advised that they did not have any of the documents, which is different that what was received via email from XXXX XXXX, and asked us to resend all documents. On XX/XX/XXXX they were faxed to XXXX and XXXX, and emailed to XXXX. As of XX/XX/XXXX they claim to still have received no documents, so the entire short sale package was sent again to XXXX and XXXX, and emailed to XXXX as well as the new email address give to my agents of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have tried contacting this company multiple times. I have even disputed the account three times with XXXX  and XXXX. This account doesn't belong to me as I have never had any affiliations with Convergent Outsourcing or the account it is claiming to be collecting for XXXX. I have asked XXXX, XXXX  to ask convergent outsourcing for some type of documentation stating that I went into an agreement with them or to provide something with my signature authorizing them to report to my credit report. To this very day no one has provided me with the requested documentation yet, it is still showing on my credit report. A collection bill is not proof as it has no signature on it from me and since they can not provide me with the proof this account needs to be removed immediately as it is a violation of my rights.

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 2020-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Khols CapOneXXXX XXXX - is still reporting and updating a balance on my credit file even though the account was paid. They are even reporting it paid in the notes but still showing a negative balance. This has affected my financing now so I have contacted my attorney because they are in violation. I have disputed this and it is still showing and reporting inaccurately.

Company response to consumer: Closed with explanation