vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After I filed a dispute ( online ) with Trans Union on XX/XX/2021, for some reason account information on all of my accounts would not properly update. The dispute was closed on XX/XX/2021. During this time, my XXXX, XXXX XXXX, and XXXX  accounts were updated on XXXX  and XXXX  with no problems. 

I called Trans Union twice and nothing was done. 

XXXX said they would do an off cycle update- they did on Monday. XXXX  and Equifax were promptly updated ' Trans Union did not. 

Thus, Trans Union reflects account information from XXXX. If my accounts were properly updated, my credit score would increase like my XXXX  and XXXX  scores per recent account pay offs. Moreover, Trans Union is the most oft used credit report and this problem can lead to credit denials and/or higher interest rates. 

Simply put, I want Trans Union to fix whatever is causing this and to properly update my account information/balances on a monthly basis.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Michigan Mutual, Inc.
State: CA

Complaint narrative:
Please find below a true and copy of a complaint I sent today to the Attorney General 's Office State of Illinois. Please find attached copies of statements dated 3/4/21 from Michigan Mutual verifying escrow balances and copies of refunds dated XX/XX/21 from Michigan Mutual with a total of {$1100.00} missing. 

On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX P.M. XXXX XXXX XXXX Extreme Loans current lender ) and I called Michigan Mutual on a conference call and we spoke to XXXX XXXX no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX XXXX no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX Tax Assessors office who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to refinance my mortgage that has an interest rate with Chase of of 7.25 % to a FNMA HomeStyle mortgage with XXXX XXXX XXXX XXXX ( XXXX ) at an interest rate of 3.5 %. Chase has been holding up the closing of the refinance due to their attorney being non-responsive and now telling the closing attorney for XXXX that it is going to take another four to six weeks to get the documents signed. In the meantime, the contractor is on hold, the costs of building materials continues to increase, I continue to have to pay over double in interest, am incurring fees to update the appraisal and extend out the lock period. 

Per Chase file was sent to their attorney in XX/XX/XXXX as I had started the process of refinancing from Chase to XXXX. 
As of XX/XX/XXXX, XXXX  closing attorney was waiting for a corrected assignment of mortgage ( AOM ) for the CEMA docs from Chase attorney. XXXX attorney made multiple attempts to reach and obtain the corrected document between XX/XX/XXXX and XX/XX/XXXX to no avail. I called Chase on XX/XX/XXXX. The Chase representative stated that they would reach out to their attorney to expedite. I called Chase again on XX/XX/XXXX as the PHMC attorney was still not getting a response from the Chase attorney. I advised Chase that I would be putting in a complaint with the CFPB. The PHMC attorney received the corrected ( AOM ) shortly after I hung up from speaking with Chase. This morning I have been advised by the XXXX attorney that the Chase attorney is now stating that the turnaround time to get the signed documents is four to six weeks. In the meantime, Chase has not hesitated to continue to send me information on how quickly they could complete a refinance for me. 
This is causing me stress and a serious financial hardship. It may well also adversely affect the appraisal. My appraisal is based off of the after improved value of my home after the repairs and renovations are completed but the continued delays are causing an issue with the scheduling of the contractor and the costs of the materials is increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
As a result of the most recent winter storm in which impacted the Texas area, my place of employment was closed. I, XXXX XXXX contacted Santander Consumer in regards to Account # XXXX in efforts to seek deferrement options or repayment plan. In XXXX, I was granted an extension and since my place of employment sustained extensive damages and was still unable to reopen, I once again contacted Santander once again on XX/XX/XXXX. I spoke to a representative who advised me another extension was granted. 

As it stands today, we have still been unable to reopen due to these damages but I borrowed funds to make my XXXX payment. I contacted a representative at the above referenced company and was advised that even though I was told a payment extension was and would be granted in XXXX that was no longer the case. I am now 40 plus days in the arrears and payment needs to be rendered immediately in the amount of {$1700.00}. The payment must be rendered and will report derogatory on my consumer reports. 

Appalled and devastated I requested to speak to a supervisor who relayed the same information. My extension was not granted due to the call being disconnected. My place of employment is scheduled to reopen this weekend for the first time since the storm ended. I work in a restaurant and we have been devastated by both the pandemic and now the storm. I requested the originally extended repayment option be applied to no avail. I was able to render one month payment in the amount of {$56000.00} but unfortunately I'm not able to render any additional payment until after I commence work. The company has poor ethics and very insensitive to the needs of its consumers. These practices should be deemed predatory as their primary objective appears to be to repossess the cars of unfortunate customers who unwittingly agree to utilize their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: TN

Complaint narrative:
The caller ID listed : XXXX XXXX XXXX  ; as the caller from XXXX, TN XXXX. This is a local number and area code. The call was automated and left a message that there is no problem with my Discover credit card account. I do not have a discover card. They want to activate additional features on the card to step up my using the account ; which I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
FAIR COLLECTIONS & OUT Originally : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

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 2021-04-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

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 2021-04-15 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: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Hi, About 6 months ago, after many phone calls, I was assured my Barclays Account Ending : XXXX have been closed. 

Barclays does not allow card holders the option to close their account online like other credit card companies. 

I was surprised to received an email from Barclays Card an " Account Alert : Your weekly snapshot '' today, XX/XX/2021.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX cards ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I obtained a title installment loan from OneMain in XXXX and paid the loan off in XXXX. I contacted OneMain in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The student loan company NAVIENT calls my phone at least 6-8 times a day. I have already spoken with them on multiple occasions about this particular loan. They will NOT STOP calling and harrassing me! I have heard that there are many other people experiencing the same issue -- if I block their phone 3 that they are calling from, they just use a different #. They do not leave a voicemail, instead they continue to call every hour ON THE HOUR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX. as well as an unauthorized account : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off XXXX. I did not authorize any of this account or this inquiry. I am requesting that the above unauthorized inquiries and account be removed immediately from my Equifax credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
This account was paid by my insurance carrier through a negotiated payment. XXXX knew this when they accepted my insurance. I contacted the collection agency and asked for a copy of the invoice to send to the insurance carrier. I was told the account is too old to submit to my carrier how did I want to pay this off? 

CBSA XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1700.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1700.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
While checking my credit report, I notice an account from XXXXXXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
This is a continuation of complaint XXXX. I have 3 issues : Issue 1 : On XX/XX/XXXX, I received a letter dated XXXX about why my request to remove to PMI was denied. The explanation stated that my account was delinquent and did not qualify to have PMI removed. 

My account was not delinquent -- I was granted a deferral and deferred 2 mortgage payments. I have never been delinquent. I believe that the CARES Act states that you should not be penalized for a deferral. ( Side note : my deferral was reported to the credit agencies and my credit rating took a hit and I had to make calls to restore my credit ). As my loan has been transferred to Mr. Cooper, this point is moot but I would like to report XXXX for unfair practices. 

Issue 2 : Neither XXXX or Mr Cooper have a copy of my loan modification agreement that was signed ( I believe ) in XXXX. I have requested this document several times. I would like one of these companies to provide me with a copy of the agreement. 

Issue 3 : My loan balance is {$190000.00}. I also have a non-interest bearing principal balance of {$6100.00}. I deferred two payments -- each about {$1400.00}. Since I modified the loan to have the deferred amount put on the end of the loan, I expected to see a balance of about {$2800.00}. No one ( XXXX or Mr Cooper ) can give me a breakdown of what that {$6100.00} includes. I request a detailed breakdown. When I call customer support they are equally as confused and can't tell me why the discrepancy. 

Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello there is two auto loans Ive been fighting to remove off my credit report for 4 plus months now. I know by law after 30 days with no verification the accounts are suppose to be remove off credit report! I know my rights! I have yet to receive a response from these two fraudulent companys about these auto loans. Please remove them!

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX  XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation