vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I paid my HELOC in full last year on XX/XX/XXXX and requested the account be closed as I no longer intended to use the account. The account was closed and I paid the reconveyance fee to have the lien removed from title. However, upon reviewing my annual tax documents for XXXX for my HELOC # XXXX I noticed I was double charged the {$220.00} reconveyance fee and it was listed as a " late charge payment ''. 

I've called multiple times beginning on XX/XX/XXXX, again on XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX to have this corrected, but they are refusing to refund my money and have not called me back. I have never had a late payment in my life and this is very upsetting to see no one is responding to this servicing error. It has now been over a year since they improperly collected these funds and I believe they should refund the money with interest.

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 2022-02-25 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase offered me a no cost mortgage refinance at 3.275 % in a 30 year fixed rate based on credit and payment history. 

The declined me ( loan # XXXX ) stating type of loan not permitted under program requested. 

I have no active disputes on my credit report, which is the reason cites for loan denial. 
They then suggested I pay to apply for the mortgage refinance. 

This offer and subsequent denial has caused me material harm by way of lost opportunity to refinance when rates were lower. 

Chase Executive Offices has refused to request a manual underwrite for this loan, which is my desired outcome,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for XXXX XXXX for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that Experian has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that Experian and I can resolve this issue outside of court. 

Best, SG

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 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened an auto loan finance account with Ally Financial in XX/XX/XXXX. In the 6th month of payments, I began to pay slightly over the amount due- rounding up to the nearest hundred. ( Original Payment {$570.00}, began to pay {$600.00} or more, believing {$24.00} would be applied to the principal balance, it was not ). I called Ally Financial in early XXXX to inquire about this matter and was told it would be corrected. It never was. Fast forward to XX/XX/XXXX, and the following occurred : On or about XX/XX/XXXX interested buyers began to make offers to purchase my vehicle. As I entertained those offers, both myself and those interested buyers began to request payoff inquiries. On or about XX/XX/XXXX, I did indeed sell my vehicle to XXXX XXXX of XXXX XXXX. I called Ally Financial that day to inform Ally that I had sold the vehicle and to expect payment. Again on XX/XX/XXXX I began to communicate with Ally asking Ally to apply the payment to my account, as I had been tracking the payment, and I knew that it had been received. 

However, Ally Financial reported to XXXX Credit Bureau- and others- that I was 30 days past due in the month of XX/XX/XXXX. Ally Financial at that time, violated the Fair Credit Reporting Act with the extremely serious violation of false reporting. Upon this realization, I made calls and emails again to Ally Financial, as well as disputed this error on my credit. Ally Financial then provided false information to multiple Credit Bureaus, therefore causing the false information to remain on my credit report. This was another serious violation of the Fair Credit Reporting Act. 

Other evidence that supports my findings can easily be obtained from the XXXX which I have in my possession. The vehicle was sold at auction in the month of XX/XX/XXXX, and subsequently to an entirely new owner in the State of Georgia- all before Ally Financial reported the late payment to the Credit Bureaus XXXX Ally Financial has made no attempts to correct their error other than giving me case numbers for my inquiries. 

I have made several phone calls to Ally Auto. I have emailed Ally Auto. I have sent Ally Auto a certified mail piece informing them of my intent to pursue legal action. Ally Auto has taken almost three months to respond. They have changed dates which do not correspond with the information reported to the credit bureau.

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 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We purchased a home in XX/XX/XXXX which was financed by United Wholesale Mortgage. I was looking at the Final Buyers Escrow Statement dated XX/XX/XXXX ( from when we purchased the property ) and noticed that they had charged me {$150.00} in escrow for 3 months of Homeowners Insurance that I neither requested nor needed since I already had insurance from XXXX set up ( it was listed on the purchase escrow papers ). I also noticed that they charged me {$550.00} from my mortgage escrow balance on XX/XX/XXXX for hazard insurance. Again, I did not ask for this insurance, need it, or know that I ever had it. I have never received anything from whatever insurance company they set up for me, which is why I never realized that I was being charged for it. It was all done behind my back. 

I sent United Wholesale Mortgage the Final Buyers Statement from my escrow papers and the declaration page from my XXXX policy showing that I had coverage at both times. I have called, mailed, e-mailed, and faxed the company repeatedly without getting any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: OK

Complaint narrative:
Hello, I have a few UNAUTHORIZED HARD INQUIRES on my credit report that I have NO KNOWLEDGE of ive contacted the companies of the hard inquires and get the run around. I also called TRANSUNION XX/XX/XXXX and let them know I am a victim of fraud and they are refusing to remove the inquires, stating there is no way for them to remove them. 
XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2022-02-25 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: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company had contacted me numerous times indicating they were acting on behalf of XXXX in an attempt to collect an outstanding account balance. However, as I repeatedly told them I have NEVER had a XXXX account. My phone service has always been by a different provider. In addition, my phone for the past 15 years has been supplied by my employer with service through another provider. 
Despite my repeated explanations, today my XXXX Credit report showed a major decline ( 92 points ) because Enhanced Recovery Company apparently did not inform XXXX that I had disputed this account. I have spoken today with both a representative of Enhanced Recovery Company and XXXX to inform them of the error and requesting that it be registered as disputed if not removed.from the report. The twoother credit reporting agencies do not show any such information.

I believe Enhanced Recovery Company and XXXX both acted in bad faith in this situation, to my personal detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
XXXX has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for Speedy Cash for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that XXXX has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that XXXX and I can resolve this issue outside of court. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MI

Complaint narrative:
I hold 2 credit cards with XXXX, yet 3 cards consistently appear on my credit report. I phoned XXXX to inquire, and they confirmed that there was a third card with middle digits XXXX which was being used by someone who either has my same name or was fraudulently abusing my name. The representative at XXXX explained that sometimes a card registered to a person with the same name can sometimes be attributed to the wrong credit report. In this case, the representative stated that XXXX would issue a letter to each of the credit reporting agencies to notify them of the error and have that card taken from my credit report. This is upsetting to me because I keep a zero balance on my cards and yet my credit score has been stuck in the middle 700 's for more than three years.

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 2022-02-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted XXXX notarized dispute letters with documentation supporting my claims via certified mail to Experian XXXX  XXXX on XX/XX/22. 

The post office confirmed that they was delivered and Experian XXXX  XXXX said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both XXXX and Experian but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.

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 2022-02-25 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
The company, Planet Home lending contacted me to let me know they did not receive a payment for the month of XXXX. After contacting my bank, XXXX, it was determined that the check was sent to an older address that the company had. In essence I continued to send my check to the same PO., however the company had moved and I was not notified. I am being charged a late fee of {$31.00}. In discussion with the rep. I would have to find the money to pay today or a note would be made to my credit score. I did have to call my bank, stop the check, pay the statement again. This is predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a CP2000 from the IRS indicating I had received a 1099C cancellation of debt from Citibank in the amount of {$20000.00}. Ive called Citibank, they have no record of my SS # or the account listed by the IRS. 

I called Citibank on XX/XX/202XXXX 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 2022-02-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Fraudulent company selling security does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I made a payment to my Military Star card on XX/XX/22 at XXXX XXXX. The credit card company did not record my payment for the XXXX instead recording it was made on the XXXX because of a time zone difference. I did not read anything in my disclosures that states I must make my payments based on a different time zone. My payment was considered late by my credit card company and I was charged an automatic fee that was added to my payment. This added fee resulted in my checking account being overdrawn and I was charged another fee by my bank. I would like these fees to be reversed and I would like to continue making regular payments. Thank you. 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 2022-02-25 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-25 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
LAST YEAR WE ASKED XXXX XXXX XXXX TO CANCEL THE CONTRACT AS WE ARE IN OUR XXXX AND CANT TRAVEL ANY MORE. THEY CONTINUES TO SEND NOTICES AND TREATEN TO DESTROY OUR CREDIT. ENCLOSE IS COPPY OF DEMAND. PLEASE HELP 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