vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: OH

Complaint narrative:
Hello- We filed for forbearance through the CARES Act in XX/XX/XXXX due to our finances being impacted from COVID-19. We came out of forbearance on XX/XX/XXXX. We signed an agreement acknowledging that the payments missed including interest. The document also stated the payment deferral will not change any other of our mortgage terms. Instead of the lender deferring those payments to the end of the loan they increase our loan amount by {$26000.00}. Our loan went from {$300000.00} owed in the beginning to {$330000.00}. I don't understand why the payment amount due during that time went from {$26000.00} deferred to an additional {$26000.00} on top of it. Our home isn't even worth {$330000.00}. If we would have made those payment instead of entering forbearance the amount owed would be {$270000.00} I feel like they are double dipping so to speak. And penalizing us an additional {$26000.00}. 
We tried to talk with them and they even seemed confused on how they got to the figures. Now they will not answer any questions and told us to get an attorney if we needed further info. We have received 3 different amounts from various statement and feel they are calculating the forbearance wrong from the cares act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: PA

Complaint narrative:
This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX XXXX XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming 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 2021-11-10 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: PA

Complaint narrative:
This account is XXXX years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change

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 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I entered a consumer credit transaction in good faith on XX/XX/2021 and extended my credit via credit application online providing my Social security Credit card number issued by the Social Security Administration offices. After the transaction took place, a receipt of the transaction ( inquiry ) appeared on my consumer report that showed a transaction indeed took place. Penfed, in return, furnish an adverse action via pdf which is attached. I was denied even after extending my credit to Penfed Credit Union, which is my federal right under the Truth in Lending Act. PenFed Credit Union benefited from this transaction by receiving consideration or compensation for that transaction and I did not receive any benefit. Penfed is also in direct violation of 15 U.S.C 1961a ( 3 ) under the Equal Credit Opportunity Act because it doesn't mention I could be denied for extending creditor or even having to have a certain credit " score. '' It only mentions that I could be denied for insurance or employment. I, as an applicant, was in good faith exercising my right under the Consumer Protection Act and did NOT benefit from the transaction that took place. 


Application # XXXX If this issue is not resolved, I will have no there choice to seek litigation, file a complaint the NCUA and/or my Attorney General for the several violation of my federal rights as a federal protected consumer.

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was reviewing my wells fargo online accounts onXX/XX/21 and noticed my checking account was closed on XX/XX/21. I called the bank who couldn't say for sure but they think the account was closed for inactivity. I was told there resolution department would reach out to me which hasn't happened. My last transaction was XX/XX/21 but I believe the bank closed it so I wouldn't benefit from the free checking account which isn't being offered anymore. This is simply there way of forcing me to open a new checking account with a monthly fee.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
The company Safco has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. 

At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I was a loyal customer of HSBC for many years, however, my account was closed without any notification recently. I received their eStatement on XX/XX/2021 and was told that the account was closed on XX/XX/2021 due to no activity. I used their mobile apps occasionally to check my balance. I also have their email confirmation that they have my correct address. 
They just closed my account without any notification and turned over my money to the state abandoned property. Their excuse is that they tried to reach me with different address. However, as I mentioned that I have proof that they have my updated address. I can not believe that a bank treating their customers like this will survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
today XXXX I made a {$12.00} payment when I logged into my account the balance was {$1400.00} after I paid the payment my balance jumped {$1400.00} an increase of {$10.00} that now I am going to have to pay interest on! 

I bet they have charged me several hundred dollars in extra interest screwing me!! 

How can a balance jump after a payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I spoke with Wells Fargo on XX/XX/2021 because I received an alert with XXXX about an account being open which I did not apply for. The lady explained that someone opened a checking account online in my name and they will open a fraud case about the matter.

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
There really wasn't any correct answers I could choose. I opened my account XX/XX/XXXX. At that time, I paid for my card and added credit protection. In XX/XX/XXXX we had a major Ice storm and I had asked to not have to pay my bill due to this and then the same in XXXX to get caught up. They said I could. then in XX/XX/XXXX I realized that I had a lot of late charges added. When I called them, they said that they never agreed to this. So I cancelled my card. On XX/XX/XXXX, they were still charging me credit protection, and I had to cancel that then. Now they have my payments so high that I can't make them. They are still charging me interest and late fee 's. I called and told them that I was filing a complaint and I would not be paying until I got a anwer.

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 2021-11-10 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: FL

Complaint narrative:
I would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change

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 2021-11-10 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: FL

Complaint narrative:
I would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming 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 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management Is consistently sending me letters after I have already let them know that I have no knowledge of the debt they are claiming to be mine.I asked them not to contact me and to not report this to my credit report. This is invalid. They also did not respond within a five day period with any validation. I contacted Midland Credit Management on XXXX XXXX for validation. I also contacted them again on XX/XX/2021. Still no documentation. 
According to 15 USC 1692g Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Midland Credit Management sent a letter dated XX/XX/2021 stating that they do not know what I am disputing. Neither do I and this is well over 5 days after initial contact. 

In pursuant to 15 US Code 1692 I have disputed this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Wed XX/XX/XXXX THIS LOAN SHARK HAS RUINED MY LIFE FOREVER for something I don't owe They have been sued multiple times for over $ XXXX by the Attorney General in Massachusetts for their Bad Business practices -- -- Reporting FALSE information on people 's Credit Files REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS XXXX PAST DUE as of XX/XX/XXXX You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 

It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX XXXX for which your Company received a PAYOFF in the amount of {$7600.00}. 

XXXX Claim Reference # XXXXXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Credit Acceptance 's derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally 1 ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) 2 ) Inability to obtain a reasonable Interest Rate on a Car Loan 3 ) Inability to obtain a Mortgage Loan 4 ) Inability to obtain ANY KIND of Credit Card 5 ) Inability to gain employment ( Executive Level position ) due to Low XXXX XXXX XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my XXXX Scores a. I have attached copies of my Emergency Room Visits and the related Costs 7 ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT ) 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 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Collection Agency, Inc.
State: MA

Complaint narrative:
Im currently paying this bill, yet Im still receive calls about it. Also, they are supposed to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I'm unaware of the transaction, someone else could have used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
There was fraud made from XXXX that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and XXXX still says I have a balance and I tried to resolve this and explain that this was due to fraud. XXXX sent the debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company XXXX has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.

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 2021-11-10 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: Bepensa Capital, Inc.
State: IN

Complaint narrative:
Credito real has reported private information on my consumer report that I did not give them consent. I take pride on having the right to privacy and my privacy has been breached. My federal rights as a consumer has been violated. 15 U.S.C. 6801 states that that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

they are reporting an illegal repossession and late payments that is ruining my reputation and defaming my character as consumer which is not public information that could searched. not one person can research that I was late on a payment or that a my property was illegally repossessed. 

The definition of non public information under this subchapter also could mean any information resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 


THIS IS MY FINAL NOTICE BEFORE I PERSUE LITIGATION

Company response to consumer: Closed with explanation