vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I originally had a XXXX XXXX XXXX Account in the beginning of 2020. Sometime around late XX/XX/2020 or the beginning of XX/XX/2020, I graduated to a XXXX XXXX Account, which contained a higher credit limit and was considered " unsecured, '' for credit purposes. The XXXX XXXX XXXX XXXX  is showing " paid and closed '' on my credit report, and this is correct -- this particular account should be paid and closed because once the XXXX XXXX XXXX was paid off, I had a XXXX XXXX Account opened. The problem is that the XXXX  account is reporting as " closed '' on my XXXX, Equifax and XXXX  credit bureau reports, and this is incorrect, as the XXXX  account is open with a {$500.00} credit limit and no balance. I have tried to call XXXX directly and was told to mail a letter to the company to dispute their inaccurate reporting of the XXXX account, but no one seems to know anything -- we go around and around in circles and I get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
Hello, I currently have a mortgage with Keybank after purchasing a home in XX/XX/XXXX. I went into forbearance for 6 months due to COVID. The forbearance period started in XX/XX/XXXX and finished in XX/XX/XXXX. During that time, I missed a total of 6 mortgage payments, in total about XXXX. 

However, all 6 of those payments WERE ADDED AS PRINCIPAL balance to my loan! In essence, after the forbearance period was over, I owe more on my house than the original purchase price, which is a gross miscalculation of the missed payments. My original loan amount was XXXX. I've been paying it down from XX/XX/XXXX through XX/XX/XXXX. Does it make sense that, after 6 months of forbearance, I now owe more on my loan ( XXXX ) than when the loan was first issued?! 

To provide context, I also went into forbearance 2 other mortgages for a few rental properties at both XXXX XXXX XXXX and XXXX XXXX XXXX. In each case, all of 6 of the missed payments went to the back of their respective loans as a balloon payment, similar to how KeyBank is treating forbearance. However, the principal balance on those mortgages did not change, which is exactly what I was expecting. Instead, payments that I missed simply increased the amount of the last payment, but did not increase my loan size. 

After calling the KeyBank loss mitigation team several times, they have insisted that their treatment of the loan is correct, and that the principal balance does increase during forbearance. In other words, I owe an EXTRA XXXX as a result of forbearance!!! This goes against my understanding and the understanding of other mortgage specialists that I've spoken to on this matter. 

Please contact them on my behalf as they are refusing to do anything further to adjust the loan. They have also reported this larger loan balance on my credit report, and is now hurting my chances at a refinance. 

My concern also lies with their other customers. If they have this treatment across the board, it is an egregious miscalculation across many of their clients, some of whom are not aware that this is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TX

Complaint narrative:
These accounts are not mine. I am victim of identity theft!!!! I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
Back in XXXX 2016 my Discover credit card was stolen and it was used up XXXX of dollars. Now I'm trying to get a loan and this negative report is showing up on my credit report. 
I reported it to the police and received a police report. I thought it was dismissed by Discover, but it wasn't. Please help if you can. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: VA

Complaint narrative:
SOFI lending sent me an offer for a private student loan which I had some interest in for my son 's current tuition and cost of living. SOFI does not disclose any details on loan terms until after your application is approved so I submitted an application to see what the terms would be. After SOFI approved my loan I asked for the terms and found the terms nearly userous in spite of my stellar credit and asked them to cancel my application immediately which I was assured would happen. 

Within two days hence I recieved a " notice of disbursement '' to XXXX  XXXX and SOFI had released funds against my wishes. I called quickly and asked them to stop payment and they said " too late '' I would need to contact XXXX XXXX to return the funds putting the entire burden on my shoulders for their mistake. 

I have subsequently spent TWO MONTHS making more than 30 phone calls and countless hours negotiating the return of the funds between XXXX XXXX, State of VA, SOFI, and XXXX. The funds dissappeared multiple times for weeks at a time in the handling process leaving me wondering if they were permanently lost or stolen. It was so easy for SOFI to release funds without my go ahead, yet nearly impossible to get them returned. 

While this was happening the loan aged to a point where it was greater than 60 days past due, my credit file has been impacted along with late fees that SOFI wants to collect. 

All in All a horrifying experience mired in loan shark mafiosos tactics that need to be cloesly monitored for this fringe operator. SOFI seems to aim for the minimum standard of compliance and and may be operating below the legal compliance threshold to keep their cost low and profitability high. 

Their servicing arm XXXX was 45 days in arears on data flow and has kept me in their collection system long after the refunded loan proceeds were credited to my account, seems like a violation of law here. 

Please get eyes on SOFI and XXXX to straighen these systemic failures from ruining the lives of other unsuspecting consumers. 

SOFI needs to clean up their act or get banned from doing business in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc.
State: CA

Complaint narrative:
ON XX/XX/2021 I SIGNED UP WITH CREDIT.COM FOR FREE ONE MONTH TRIAL. SEE ATTACHED EXHIBIT " A ''. 

ON XX/XX/2021 I REQUESTED TO CANCEL AND PROVIDE CONFIRMATION. SEE ATTACHED EXHIBIT " B ''. 

ON XX/XX/2021 THEY RESPONED BY STATING SOMEONE WILL BE IN CONTACT WITH ME. THEY DID NOT AND ONLY SENT ME AUTOMATED RESPONSES. SEE ATTACHED EXHIBIT " C ''. 

ON XX/XX/2021 XXXX RESPONED BY STATING MY REQUEST TO CANCEL AND COMBINED MY REPEATED REQUEST TOGETHER INTO ONE REQUEST. 

ON XX/XX/2021 I TRIED TO FOLLOW-UP WITH MY REPEATED REQUEST TO CANCEL AND PROVIDE CONFIRMATION. NONE OF MY EFFORTS TO CANCEL HAS GONE WITHOUT RESPONSE AND THERE LINKS LEAD TO NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a non TD bank customer who went into a branch to cash 3 checks. 1 official certified TD bank check and 2 paychecks from an employer that uses TD bank. I had 2 forms b of ID ( more forms of ID were available if needed ) ( TD bank printed on all 3 checks ). I was denied by the teller who was rude, but the manager was even more rude. Initially I was told there were issues with the check account and when pointing out there are 2 accounts ( one from my employer and one from a official Certified check they stated both accounts to have issues, I can not tell you why. I was told go to a check cashing place. Called customer service without any resolution. Im a non traditional bank holder and have every right to clash these checks as TD bank issued them. Im embarrassed and hurt at the way I was treated. I need assistance, not sure if league action is the next route?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is my second complaint about this matter. Bank of America credit card suddenly reduced my credit limit by {$25000.00}, to {$500.00}, though I had paid off a {$36000.00} balance a year ago and though I rarely use the card and am always up to date with my payments. I have been their customer for fifteen or twenty years. By reducing my limit in this way, they triggered an avalanche of problems for me on my credit score, causing other cards to follow suit and lowering my credit score by FIFTY POINTS. I am trying to refinance my mortgage during a difficult divorce and now will be unable to do so. I reported them for this problem several months ago and they told CFPB that they needed more time to " work on it. '' Since then, silence and nothing changed with my account. 

I should note that about the avalanche described above -- another one of my cards reduced my limit after Bank of Am did so, but only from XXXX to XXXX. This impacted my score only slightly. There is absolutely no reason that Bank of Am could not do a similarly small reduction in credit, covering whatever concern they had without destroying my life for a card I rarely even use at present.

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 2021-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX XXXX has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The XXXX XXXX has even confirmed this information. However, The XXXX XXXX has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XXXX 2020 payment is showing 30 days late on both my XXXX and Equifax report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All XXXX XXXX XXXX needs to do is contact XXXX and Equifax and update the XXXX 2020 payment as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service Company, INC
State: TX

Complaint narrative:
Attempted to dispute with company after they added 3 negative accounts to my credit profile and have not heard anything back from them. I've advised this is fraud via certified mail to the company. I have not been to a medical professional, doctor, or hospital in over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TX

Complaint narrative:
I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.

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 2021-03-09 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NV

Complaint narrative:
A dispute was found invalid and deleted from my Transunion report. Two days later the same company " Changed their company name '' but with same address, account number etc. added {$3.00} to change the amount!!!! It was already deleted from my report per Transunion!

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 2021-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-09 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I paid off a company who led me to believe that after the debt was pays they would remove completely as paid in full. 

I made them aware that the debt amount was wrong and included illegal overages so they said they would lower it. 

Once paid they marked as settled for less. 
You can see in the contract they implied no settle for less would be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have reached out to the credit reporting agency on the account several times on previous report it shows it was in included I. The bankruptcy then on the current dispute they reported it as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX  XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 {$1000.00} was given to someone using a stolen ID and they used a withdrawal slip at a branch on the opposite side of town. My wallet was reported lost in XXXX to Wells Fargo. I reported the transaction as fraudulent. In XXXX I had to reopen the case after Wells Fargo Closed it saying it was my hand writing on the withdrawal slip which It was not. It has now been another 3 months and no resolution. I manage a clothing store in XXXX XXXX and was at work when this happened. Thank you for any help you can give 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 2021-03-09 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-09 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation