vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: TN

Complaint narrative:
After divorce I had to file bankruptcy. I paid off my debts and came out of the bankruptcy XX/XX/XXXX. My regular payments resumed and I continued to pay without missing a payment. My credit score had increased so I decided to refinance my home. I logged onto the website to get my information regarding the payoff balance etc and Selene said that a bankruptcy was attached to my account that was in effect as of XX/XX/XXXX. I was advised I could make payments but would have to have the lawyer submit proof of bankruptcy discharge. I have sent this by email after multiple escalated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The times I have called is also substantial. 

I was approved for a refinance loan at almost 50 % of what I pay to my mortgage company and I have been unable to move forward with this because they won ; t take the bankruptcy documentation off of my file. Luckily it does not show on my credit reporting, because I am not in an active bankruptcy. What are my steps I can take to get them to fix this so I can pay my bills? I deserve the opportunity to have a lower mortgage payment so my family can continue to thrive. I have paid of the bankruptcy, repaired my credit and worked hard to do this. 

Every time I call, I advise them I want to speak to a supervisor for an escalated issue. I am asked if this is the mailing address, do I live in the physical house etc. and mail is still being sent to the bankruptcy lawyer, who in return, puts it in an envelope to me and adds a sticky note asking why are they getting my mail, they dont represent me anymore. I have occupied this home in good faith for 13 years as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

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 2021-05-21 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 days.I have not yet gotten a response. They failed to provide me with supporting document as proof. The FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX we returned the car at the local dealership. They told us to just leave the keys at the front desk and they would send the release of liability. This took about a week to get after several back and forth communications but we did get it. At this point we thought everything was done. 

About a week or two after that we received a letter dated XX/XX/XXXX. This letter stated that we owed {$2100.00}. 

I called in late XXXX or early XXXX, I don't recall the exact date. After calling the number they explained that they do an inspection after we drop off the vehicle and found that there was damage to the car, we were missing a charging cable, and there were additional fees. 

In good faith I paid the {$400.00} " Turn in fee '' as supposedly it was in the contract. I also paid the {$.00} " unpaid lease payments '' as it minimal and not worth disputing. 

I was told if I disputed any of the charges I have to mail in a letter explaining my issues. I chose to do this certified and sent the letter on XX/XX/XXXX. The letter was received XX/XX/XXXX, XXXX XXXX. 

I disputed the {$250.00} in damages as I have pictures from the day of turn in at the dealership showing no damage. I also disputed the charging cable as they didn't even inspect the compartment under the trunk floor where we kept it, this was in the pictures from there inspection. I have no way to prove that I had it in the car at drop off since they accepted the vehicle as is and the charging cable can be easily removed, lost or, stolen. 

While waiting for a response Kia financial called my wife, threatening again to damage our credit even though we have no response based on the dispute letter. Since the only options for dispute they gave us we followed quickly, we have no recourse. 

Because we value our credit, we have now sent in a replacement charging cable. This was sent on XX/XX/XXXX and was " Delivery attempted - no access to delivery location '' on XX/XX/XXXX. This cost us {$44.00} for shipping and is valued at {$1500.00} per Kia Finance. 

We still have not heard back regarding our dispute letter. The electronic version of this letter is included as a word attachment to this complaint.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had a Carnival MasterCard which I closed on XX/XX/2020. The balance was {$0.00}. 
A charge was applied against that card for {$9.00} on XXXX XXXX, XXXX after the card was closed. I do not understand how a charge could be made after I closed my account. Since the time that the account was closed I did not receive any monthly statements. 

I spoke with an account rep on XXXX XXXX  who saw that the account was closed and that the balance was {$0.00}, and he said he would forward it for further investigation. I called again on XX/XX/XXXX since I hadnt received a response. I was told that charge was from XXXX XXXX for a back-ordered item from XX/XX/2020, and that the late charges and interest accrued a balance of {$120.00}. The representative I spoke with tried to explain that the charge was authorized but delayed because it was back-ordered. Nonetheless, a charge was made against my closed account. 
I called again today and was told a letter was mailed to me on XX/XX/XXXX, saying that the dispute is being investigated and may take 45 days. The balance now is {$16000.00}. 
Meanwhile this has affected my credit report as late payments for 3 months. 
I am willing to pay the {$9.00}. I have requested that they dismiss the additional charges. 
My complaint is that they allowed a charge against my closed account, they didn't send me any statements, and this is taking too long to resolve.

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 2021-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. I have added initial fraud alerts to my consumer reports. I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''. However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. XXXXXXXX XXXX  XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: CO

Complaint narrative:
In XX/XX/2020 I refinanced my house and paid off all my debts. Conn XXXX XXXX XXXX started called me in XXXX saying the check for {$2900.00} that was sent to them was not the total payoff balance. The person said that another {$300.00} and some odd dollars was remaining now they are saying there is a balance of almost {$700.00}. My question to them was if i owed more money why did it take them almost a year to let me know also that was the payoff amount the lending company said was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In XX/XX/XXXX Transworld Systems Inc reported an account under my credit that does not belong to me. I have tried for 2 months to get this resolved thru the credit bureaus and thru the collections agency at no avail. Transworld 's customer is XXXX XXXX. I have not been able to get a hold of who handles this account on the XXXX XXXX end because at the end of XX/XX/XXXX there was a merger in which XXXX XXXXXXXX bought XXXX XXXX but the merger did not include any Texas service address- the account in question was opened in Texas under a XXXX XXXX XXXX I have provided proof that I do not reside in Texas and that my name is XXXX XXXX. Note that the spelling on the account is slightly different as their costurmer 's last name is XXXX and mine is XXXX. I have never gone gone by the last name XXXX ( my maiden is XXXX ), I have never resided in Texas not done any business in Texas. 

I became aware of this account due to a credit alert. I was informed that the service address listed is XXXX XXXX XXXX XXXX Tx. The service date was XX/XX/XXXX. 

Transworld indicates that that they are waiting for XXXX XXXX to validate the account but they are not getting any response from XXXX. 
I was advised that XXXX XXXX took over those account with a Texas service address that were not assumed by XXXX XXXX- I have contacted XXXX XXXX  but they informed me that they do not show my account on their system ( probably because it was already in collections ) and they referred me back to Transworld Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Showing old accounts over 7-10 yrs closed and credit score dropped XXXX points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by XXXX months or more and on time 100 %. 

In fact, it should be well over XXXX points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX American.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My husband had a USAA credit card ; he died on XX/XX/2021, so I closed all his credit cards. I had no problems, usually faxing a certificate of death, if that. USAA has been IMPOSSIBLE to deal with! I have a {$130.00} credit balance, and they are refusing to return it, and instead send me a monthly statement showing the credit. I called the customer service telephone number the statement provided then spent over an hour and a half this morning dealing with no less that four people. We had faxed in XXXX the death certificate ; now USAA wants a copy of my being my deceased husband 's Personal Representative. I was able to upload a three-page document completed by my attorney, but USAA refused to accept it since it didn't show the notary public 's appropriate information. I don't know what else I can give them. 

No other credit card company has been this difficult to deal with! USAA owes me {$130.00} and I will never see it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.

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 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I do not own the account and there have been no documents provided from the original account XXXX XXXX XXXX and trust that proves the account belongs to me. I will be filing a police report and making another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I refinanced my mortgage loan from Freedom Mortgage to XXXX XXXX XXXX on XX/XX/XXXX. Freedom Mortgage automatically deducted another payment in error on XX/XX/XXXX as they were already paid off. I contacted them by phone on XXXX when I say the deduction in my bank account and they said they would put in for a reversal to get the deduction reversed. They never called me to tell me there was any problem. On XX/XX/XXXX I call them again to ask why I didn't have my money refunded yet. They kept me on the phone for a long wait and are going to wait to mail out a check until XX/XX/XXXX. They are not reversing the payment they took in error. The amount they took in error is {$1900.00} on XX/XX/XXXX and by the time they get the check to me so I can deposit it they will have had the cash for at least 3 weeks. That is a very long time to keep money from an individual who has bills to pay and has to live. They have horrible policies and terrible customer service and will not go out of their way to fix a problem they have. Big banks should not be able to do this to individuals who need the money. My mortgage loan number is XXXX. Again I contacted them the same day and they did not attempt to contact me in 2 weeks time.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This XXXX MC account was originally with XXXX XXXX  and was always reflected as in GOOD STANDING from opening account date in XX/XX/XXXX. Upon the taking over of XXXX XXXX  by CBNA in XXXX, I was informed VIA the credit bureaus on my credit profile that this previously OPEN and in GOOD STANDING account was NOW reporting by CBNA as CLOSED and ACCOUNT INCLUDED IN BANKRUPTCY. Up until XX/XX/XXXX I was STILL USING MY XXXX XXXX XXXX CARD WITH NO PROBLEM. 

I have NEVER had a XXXX MC with XXXX  OR CBNA INCLUDED IN ANY BANKRUPTCY. So either this is fraudulent activity or CBNA is continuing to be allowed to REPORT INACCURATE FALSE INFORMATION with no recourse. I have tried on MANY failed attempts to get this investigated and resolved and have received NO HELP from XXXX or CBNA on the INACCURACY OF WHAT IS REPORTING. As a result of this my credit has been damaged and I have been denied additional credit opportunities. XXXX  continues to report INACCURATE information as VERIFIED. 

How can a company acquire a new XXXX account and be allowed to FALSELY MARK ( at will ) a GOOD STANDING account as now DEROGATORY and INCLUDED IN A BANKRUPTCY upon acquisition? 

I am seeking assistance on getting this matter resolved and this inaccurate account information DELETED immediately from my XXXX  credit profile. I don't mind the account being listed as closed since new ownership ( the damaged is done ), but would like my ACCURATE GOOD STANDING account information since XXXX to remain if possible. 

Your assistance in this matter is greatly appreciated.

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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
THE BANK IS ILLEGALLY CHARGING ME TO TAKE MY MONEY FROM THE BANK ATM.. EVER SINCE THE PANDEMIC I HAVE HAD A PROBLEM WITH MY BANK. I HAVE NEVER HAD A PROBLEM BEFORE.. EVERY MONTH NOW SINCE THE PANDEMIC MY ACCOUNT HAS BEEN OVERDRAWN. IT WAS NEVER OVERDRAWN BEFORE. THEN THEY ARE TELLING ME I WITHDRAW {$1400.00} ON THE SAME DAY. THEN THEY TOLD ME THEY PUT THE WRONG DATE. YOU CAN ONLY TAKE {$700.00} A DAY AND CHARGING ME {$3.00} ATM FEES TO TAKE MONEY OUT MY BANK ATM. 

SECOND TIME THIS HAS HAPPEN. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax has my name recorded incorrectly. I have already sent my current state ID, my Social Security card, and even filed a dispute for them to correct my name. They have not corrected this issue.

Company response to consumer: Closed with explanation