vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: NY

Complaint narrative:
I am a victim of identity theft, the account in mention is not mine, I don't know how anyone can verify a fraudulent account, this account is not mine and i had nothing to do with it

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
Over the summer we worked to refinance my house in XXXX, MA.The mortgage was shortly thereafter sold to XXXX XXXX  and there was no issue In XXXX it was sold again to Flagstar Bank. The loan agreement that I signed when we did the closing said that there would be a penalty if we did not pay the mortgage by the XXXX of each month. I always pay by this date which works better than the first of the month because of when our pay periods fall. I've been a homeowner for over 20 years and have never had a late payment. Ever since Flagstar Bank has taken over the mortgage, they call and harass us for payment before the XXXX ( most recently on XX/XX/2021 ). I've tried pointing to our loan agreement, but it has no impact. Isn't this a violation of the lending agreement? I talked to XXXX XXXX my closing attorney this morning ( XX/XX/2021 ) and she reaffirmed that the grace period is in the signed loan agreement. I want to make sure that there is no way for this to negatively impact our credit, but I also want to make sure the loan agreement is honored by the new lender.

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BOEING EMPLOYEES' CREDIT UNION
State: GA

Complaint narrative:
On XXXX, 2014 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I am XXXX XXXX Military an incurred a debt from AAFES credit card company. Around XXXX of last year my pay was messed up from XXXX and was unable to pay. I contacted AAFES before and after and paid current as soon as I was paid. They marked me as 30 days late on my credit report. I attempted to disputer the derogatory remarks from the 3 companies and also send almost 30 emails in the past year and cant get AAFES to remove the 30 days late from my reports Please help Many Thanks

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 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Restricted number has called a few times in the last 3 mos. leaving a message referencing my previous married name that I haven't held in over 10 years. The recording does state that a claim has been opened in my name and to call with no reference to who opened the claim and what type of claim. 

Finally answered a call and she stated I owed Best Buy over XXXX dollars from XXXX. I did a large purchase in XXXX and it was paid in full. The caller hung up on me after challenging her. 

I have no overdue credit cards on my credit report. She stated it could take this amount of time to report and the requestor just wanted an answer if I was going to pay or not. I said no because I don't owe anything.

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 2021-01-12 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: NY

Complaint narrative:
I am a victim of identity theft, the account in mention is not mine, I don't know how anyone can verify a fraudulent account, this account is not mine and i had nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation
State: NH

Complaint narrative:
After working in a qualifying school for 5 years, I applied for student loan forgiveness last XXXX. Granite State Management and Resources is denying full loan forgiveness of {$17000.00} stating that I XXXX  in " an XXXX XXXX '' and will only approve {$5000.00} of loan forgiveness. Two of my coworkers received the full loan forgiveness amount. We XXXX  in the same subject in the same XXXX XXXX building, they simply had different lenders. GSM & R should not be able to interpret the loan forgiveness program differently and deny me while others in the same situation are being given full forgiveness. 

Following the denial I contacted the ombudsman group, XXXX, NH DOE and the Banking Division of NH with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
I approached XXXX XXXX with questions about acquiring a loan. I was simply curious and he asked to fill out the application. I marked " no '' on the credit application and he ran my credit report anyways. I need this credit inquiry removed as it is unauthorized and I have proof its not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX, 2020 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After a having a look at my recent credit report I noticed that TRANSUNION, XXXX  XXXX XXXX  are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities

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 2021-01-12 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I received a hard inquiry on my credit report from a company called One Main Financial on XXXX XXXX, 2021. I have never requested credit from this company. I tried calling this company multiple times. They always transferred my call to either a voicemailbox ( which never returned my message ) or transferred to a number that hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with XXXX  XXXX XXXX and second mortgage owned by XXXX  XXXX XXXX acquired through XXXX XXXX  between XXXX and XXXX. XXXX  XXXX XXXX failed to modify our second mortgage and in XX/XX/XXXX offered us a settlement between {$75000.00} and {$78000.00}. We were not able to come up with the cash and in XX/XX/XXXX, XXXX  XXXX XXXX offloaded the mortgage to Planet Home Lending. 
The above information was shared with XXXX XXXX law and they offered to assist. Total payments made to the law firm was {$3100.00} as follows : XXXX XXXX {$490.00}, XX/XX/XXXX {$710.00}, XX/XX/XXXX {$420.00} and XX/XX/XXXX {$1500.00}. 

I requested for document submitted on my behalf by the law firm and the written response they received and they could not provide any of the requested documents. 

Planet Home lending is now threatening to foreclose and force a sale of my home. Documents filed on behalf of Planet Home Lending by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
My wife and I applied for a mortgage with Quicken Loans in XXXX of 2020, we have a XXXX XXXX account and there is a relationship between XXXX and Quicken Loans. Because of Covid-19 the process moved slowly, but we did close on XXXX XXXX, we, my wife and I were understanding of the delays due to working from home. Here 's where everything goes crazy. Ten to 14 days later, I got a call from XXXX XXXX, telling us to rip up the contract, Quicken did not review our Trust documents. My question is, we only had three days to back out of that mortgage contract, how could they back out many days more than that? XXXX did say any expenses we incurred would be covered by Quicken, and we should close in about two weeks. I called XXXX XXXX, the original mortgage writer/banker and asked her about the loan, she said we would be closing on XXXX XXXX. We were having our kitchen remodeled and I didn't have time to chase the mortgage, In early XXXX I called XXXX XXXX, our XXXX Investment Advisor and asked if she had heard anything about the mortgage, XXXX made a call to Quicken. Fifteen minutes later, I received a call from XXXX XXXX XXXX asking if they could release the payoff info aver the phone? I gave XXXX the Ok to give Quicken the info. A half hour later, I receive a call from Quicken, they want to close the next day. I said, I can not, There are work men here every day finishing the kitchen. The next day, XXXX calls and told me, if we didn't close by Friday of that week we would lose that rate. I told XXXX, that's not right, someone forgot about the mortgage and then is trying to hurry the closing up to cover up a mistake at the office. I can not close that quickly. XXXX weeks later I called and spoke to a manager, after filling out a customer survey that definitely got someone's attention. We closed for a second time on XXXX XXXX this time Quicken did payoff XXXX and we did get the cash out check, equaling {$220000.00}. 
So you would think we were done, so would I, but a week before XXXX, I got a call from anoth person from Quicken, XXXX XXXX, telling me the papers we signed did not have our Trust information correctly listed. XXXX said we had to sign again and offered me {$500.00} for our inconvenience, I told XXXX XXXX wanted a lower mortgage rate, because I know rates have dropped since we locked in at 2.75 %. WE were able to get 2.25 % rate but they want to charge closing costs, I don't think that is fair for what they have put us through. We should have had the cash out money in XX/XX/2020, I had to sell stocks and incur gains which will raise my income taxes for both state and federal, that is the reason I was seeking a mortgage in the first place. Quicken wants us to close again just to sign new documents, why can't they put the new rate on those documents after seven months of aggravation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
Yesterday XX/XX/2021 i filed a police report with the XXXX XXXX police department because someone has been using my personal information to try to open accounts under my name. i have never authorized any of these inquiries listed in my police report. please see attached documents to support my request.

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 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I currently have been trying to close out an account with lakeview loan since the XXXX of XXXX. I sent in 3 checks to this bank which were accepted and cashed on XX/XX/XXXX for the full amount. Today is the XX/XX/XXXX and they still say I owe money. Infact on Saturday I was told I owe XXXX and now they say I owe XXXX. How is that even possible. I have spoken almost on a daily basis with no one to assist in this process but a run around. Please someone help fix 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 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I purchased clothes from a website utilizing paypal and guest. These transactions were on XX/XX/XXXX. The company emailed me notifying me some of the items I purchased were not in stock. I advised them to cancel bother orders. ALLEGEDLY they still shipped both orders on XX/XX/XXXX AFTER I ADVISED THEM TO CANCEL THE ORDERS SINCE MIS XXXX!! over 25 emails. I receive a call from XXXX @ Paypal Executive office on XXXX stating the I should receive the credits back end of the week the tracking information hasn't moved. Then I get an emails advised below. AND STILL NO RESPONSE. WITH {$390.00} IN ITEMS STILL NOT RECEIVED AND ADVISED TO CANCEL THE ORDERS. I did NOTY want them. we are past XXXX and it's been 5 WEEKS good morning, How did we go from almost hour conversation last week that I would have the credits for XXXX and XXXX by end of the week to THIS!!! I have been waiting for this money back since XX/XX/XXXX. 
And I requested they cancel the order WAY before they still sent it when it's past XXXX. And you just stated on XXXX it had no tracking information, which is STILL irrelevant to the fact I advised then more than 20 times to CANCEL both orders and refund my money WEEKS before they allegedly shipped it. 

As we discussed, you requested assistance with two payments you sent to the same merchant, one payment sent from your personal PayPal account ( Transaction ID XXXX ) and a second sent as a Guest Checkout payment ( Transaction ID XXXX ). You filed a PayPal Protection claim on the first payment ( XXXX ) and, on XX/XX/XXXX, I filed a claim on your behalf ( XXXX ). PayPal has contacted the seller by email, requesting information about the transactions including tracking/shipping information. Please note that the claim process can take 30 days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: NY

Complaint narrative:
I check my credit report and this company appears as derogatory, there is no address or phone number I have never had any dealing with this company. 

This appears on XXXX XXXX TransUnion XXXX XXXX XXXX -- Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2020 I have never seen any XXXX at this institution or do I have any XXXX  problem. 
How is it possible for anyone to make false claim against my account and what is the consequence for doing so. Please investigate and advise. 

Sincerely, 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 2021-01-12 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. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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