vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I submitted a dispute letter to both Experian and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED 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 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Status and information is incorrect. 

Credit Acceptance was granted a judgement against me for the balance of my loan in 2015. The debt is 7 years old but they just recently started reporting new late payments to credit reporting agencies. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
FlagStar bank signed me up for Loan Modification without my knowledge or consent. My payoff amount went from {$310.00} K to {$320.00} K and this is how I noticed that this occurred. My Loan Number is XXXX. 

I was in forbearance hardship for 2 months. I called in XX/XX/XXXX, was on it for XXXX and XXXX, and then came out of it in XXXX. I called XX/XX/XXXX and spoke to XXXX. They signed me up on a Short Term Repayment plan which is 6 months of paying {$3900.00} to get the account current ; Confirmation # XXXX. No immediate documentation on this was sent. It wasn't until XX/XX/XXXX when I received the information regarding this agreement. 

In XXXX and prior, I had asked about refinancing and was transferred to dead-end voicemails. No one wanted to answer my questions directly. I started refinancing with XXXX in XX/XX/XXXX. During that process I noticed my payoff amount increased substantially and I cancelled the refinance. 

I called Flagstar XX/XX/XXXX to understand what occurred. After 2 hours and speaking to about 10 different individuals who transferred me around, they said their system automatically signed me up for Loan Modification.

I would like to have this matter resolved. I would like my payoff amount to return to the original amount which was around {$310.00} K not including a {$3900.00} payment I had made which was never applied to the forbearance.

I am trying to become current with Flagstar but their Customer Service is brutal - read their reviews online - and I am getting absolutely nowhere with them. I don't trust their representatives and their MO is to transfer you when they don't want to answer the question. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED 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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX  and Equifax. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
Shell Point Mortgage has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted my original dispute, via TransUnion, with XXXX XXXX XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). TransUnion came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, TransUnion came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They constantly call even after asking them to stop. They change numbers and call again even after blocking multiple numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I am a federally protected consumer and I sent Bridgecrest a cease and desist that was received on XX/XX/2020. This is a violation of 15USC1692g ( B ). The letter that was sent to me by Bridgecrest had threatening language in it that has caused stress to myself and my family.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted my original dispute, via XXXX, with SELF FINANCIAL INC/XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). XXXX came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, XXXX came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is account is inaccurate and incomplete information is reported differently on Experian, XXXX and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.

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 2020-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Sunday XX/XX/XXXX I logged into my online banking to process a transfer for XXXX so that I could use the funds for the purchase on my home. I made the transfer from one Capital One Bank account into another Capital One account. Once I completed the transfer I saw that my available balance grew by the transfer amount. I then initiated a wire for XXXX but upon hitting submit received an error message " we hit a snag ''. I didn't think anything of it because after hitting submit I was charged the wire fee of {$30.00}. On Monday the wire never went through, and now on Tuesday the Bank is telling me that although this was a Bank to Bank transfer because the accounts are on two different platforms, it will take 1 to 4 business days for the funds to show up on my account. However they already charged me the wire fee on XX/XX/XXXX and never sent the wire on XX/XX/XXXX, the next business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2020, I was charged {$230.00} from XXXX XXXX XXXX. I do not have any accounts with them. Therefore, I contacted my credit card company which is Capital One. I let them know that nobody in my account had authorized these charges and that I wanted to dispute them. I have contacted them several times for the same reason, and every time I contacted them, they tell me the same, that I will see a refund on my card within the next weeks. I have been waiting now for months and I am still not seeing the refund. Due to Capital One not doing anything about it, I then contacted XXXX XXXX XXXX directly, and the person who is helping me with the case, wanted to get the full credit card number and the expiration date of the credit card used to pay for these transactions or a number that is the EST. I do not have the credit card anymore. So I called Capital One to request this information and they did not want to help me out with anything. They do not either want to refund my money. I need some help with them please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I do not have a contract or debt with this company. I have never heard of them until it appeared on my credit. They seemed to have purchased a charged off acct. Which I have no knowledge of. I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is account is inaccurate and incomplete information is reported differently on XXXX, XXXX and TransUnion. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is account is inaccurate and incomplete information is reported differently on XXXX, Equifax and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have two outstanding disputes with my reliance prepaid card from two months ago that are not resolved yet by reliacard one is an item that I took back from two Walmarts a computer I printed out a return label and put it into the kiosk as XXXX wanted they had never returned the money to me which is {$520.00} and some change so I called reliacard and filed a dispute gave them all the information that they required of me and still I have that yet to get that money back into my account the other is for {$130.00} for items purchased online that were never shipped out to me

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have no knowledge about this accounts, please remove as this is not mine : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
XXXX XXXX XXXX  has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 there was a charge for XXXX, XXXX, XXXX, XXXX, that were not. Mine j called Bank of America to inform them of this and they are telling me that it is me the one who made these charges when it wasnt

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 2020-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
ALLY FINANCIAL has failed to pick up the XXXX XXXX XXXX that my husband and i had financed. They keep reporting as a late payment to my credit. Even though this vehicle was included within my husbands bankruptcy. The vehicle was approved and discharged in XX/XX/XXXX from the bk and they still have not come to get it. They continue to report its late and that we owe. I was told that due to us being married and a marital property state they should have come to get it and stopped all collection attempts and adverse notice on my credit. They have not. I spoke to XXXX XXXX XXXX  on XX/XX/XXXX trying to get this taken care of and it still hasn't been.

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 2020-10-27 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My bank account at Wells Fargo was hacked 3 months ago and {$1300.00} was stolen. I immediately called the bank told them this was fraud and they gave me a new card and disputed the charges. 91 days later on XX/XX/2020 Wells Fargo took the {$1300.00} back out of my account saying they didnt believe it was fraud because the money taken out was associated with a XXXX account with my name on it. I dont have a XXXX  account so that evidence can not legitimate and they refuse to look at evidence that these charges were not me

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have no knowledge about this accounts, please remove as this is not mine : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 2020-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
My ex-husband and I closed on our house on XX/XX/XXXX, and have yet to receive the remainder of our escrow account from Caliber. They claim they sent one check out, but we never received it. We still haven't received our second check, even though they claim it's in the mail. I offered to send them a tracking label and envelope, and they wouldn't take it. In the meantime, they sent us a letter offering to refinance our mortgage with them. They clearly aren't sending us this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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