vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: OK

Complaint narrative:
To my surprise this loan was taken out on XX/XX/2017. 2 days later my bank canceled my debit card due to it being compromised. I found out about this loan by a payment being taken out of my account. I contacted XXXX XXXX and they were not understanding that I did not take out this loan. I ended up having to close my account to stop the payments. I thought that would be the end of this. However now I see it on my credit report for {$2100.00}. I cant remember the initial amount. I think it was only for a couple XXXX dollars. Clearly my identity was stolen. I caught it early and this was the only thing they were able to get. Now its affecting my credit. I 100 % did not take out any type of payday loan. They cant even provide me a loan number or any other information regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from XXXX XXXX as well as contacted XXXX XXXX. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from US Bank stating " Thank you for contacting Cardholder Services about recent changes of address. This letter confirms that your address change request has been processed ... ... '' " If you did not make this request on your account, please contact Cardholder Services by calling the number on the back of your card to speak with a live customer service representative. '' On XX/XX/XXXX, I called US Bank and they would not tell me what had been changed. I then called XXXX ( XXXX XXXX XXXX ) and they told me my street address was changed from " XXXX '' to the post abbreviation " Ter ''. US bank told me that they would call me back to provide the information once it was investigated but they did not call me back. On XX/XX/XXXX I logged into the US Bank website to transfer my unemployment from the prepaid card to my bank account at XXXX XXXX XXXX but found that my account at US Bank had been locked and they would not tell my why. They told me I would have to call XXXX. I called XXXX on XX/XX/XXXX but they had no knowledge that the account had been locked. I am attaching a copy of the letter I received from US Bank. XXXX already confirmed my identity when I filed for unemployment on XX/XX/XXXX. There is no valid reason for US Bank to lock the account. XXXX asked that we call them back tomorrow to talk with a specialist in regard to this matter. Their so busy that it is hard to get through to them and talk with a specialist. They were not notified by US Bank that the account had been locked and neither was I.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
In XX/XX/2020, I submitted a refinance application with my existing mortgage lender, Flagstar financial. I have an excellent credit score, no financial hardships, solid employment history and was not requesting any cash out. It was a simple refi to change the rate from a 30 year@ 5.25 % to a 20 year@ 2.875 %. Over the past 5 months Flagstar has conditionally approved the application package multiple times only to request additional disclosure statements regarding any changes to bank account balances between XXXX through XXXX, multiple credit reports XXXX through XXXX and most recently a signed explanation statement regarding inquiries of competing lenders on my credit report last week. 
The latest reason for Flagstar 's two week delay is because I attempted to research competing lenders who were interested in refinancing my loan for to the extensive and unnecessary delays created by flagstar. Once I informed flagstar of this action they responded that closing should take place within a week 's time ; therefore I did not pursue other lenders interest. 
With industry standards being 30-60 days for new applicants to close on a refi, I suspect Flagstar is intentionally delaying the closing of my refinance considering it's in their best interest to keep me paying my current mortgage at a higher rate. Additionally, the have not disclosed how much these delays are costing ( in both interest and term ) me per month. Finally, since XXXX refi rates have increased and competing lenders are not able to match the original lock in rate from XX/XX/2020.

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 2021-03-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX Nissan for a test drive and soft check quote of a XX/XX/XXXX XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX Nissan. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from Nissan in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by Nissan. As it was now Saturday at XXXX XX/XX/XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XX/XX/XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with Nissan, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
On XX/XX/XXXX, I reached out to the credit via mail to attempt to resolve a creditor reporting on my credit as UNKNOWN. How can a debt be verified if it is unknown furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with citibank. XXXX, XXXX works with " XXXX '' Law group as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CO

Complaint narrative:
A XXXX XXXX Account shows on my credit report that should be deleted

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 2021-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I leased a XXXX XXXX in XX/XX/XXXX. I have never missed a payment and have paid more than the required payment on most occasions. I always mail my payments in and did not have an issue. In XX/XX/XXXX I did send a double payment via mail as usual. I received a call on XX/XX/XXXX from a phone number I did not recognize. I received a call the next day and I found out that my payment has not been received. I did make a payment for XXXX and XXXX while I was on the phone with Lincoln Financial on the same day. I did not receive any other communication from Lincoln Financial regarding the miss payment before XX/XX/XXXX. The day after the payment was made I was informed that my credit score has been negatively affected not for the late payment but for being delinquent for the total amount of the remainder of the lease. I have called Lincoln Financial at least 10 times regarding this matter. I was told that the dispute department only corresponds by mail. I mailed 2 letters to Lincoln Financial and finally received a response that basically said they stand by their decision. I could have easily blamed it on COVID and requested 3 months relief ( no payments for 3 months ). I do not think this situation was handled fairly, properly or professionally. I feel I am at the mercy of Lincoln Financial and they are not willing to listen or work with me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that acct # XXXX XXXX Ref # XXXX Debt Description : PAYPAL ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted Papal at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this PayPal account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used Paypal to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this PayPal account was linked to as it is separate from the legitimate PayPal account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided PayPal per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to PayPal for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to PayPal & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: AL

Complaint narrative:
XX/XX/21 I tried deposting {$1000.00} into my Gemini account and was given an error message " sorry, we encountered an error. If the issue still perssts, please reach out to customer support. '' I have used the same bank account linked to my Gemini account since its origin. I contacted customer support and it listed a phone number with a recording, telling customers to email issues. I did so XX/XX/21 and filed a customer support ticket explaining my issue. No response as of yet. I subsequently filed a BBB complaint. I can't deposit or withdrawl funds to my bank account so my entire Gemini account is frozen and money soley in the companies hands with zero access from me. I do complaince for a large XXXX XXXX, and am disgusted at the lack of customer support/ IT support in regards to my issue. I am losing profits on top of not being able to have the opportunty to withdrawl any funds. Surely if a customer had issues with their account, filed a customer support ticket and then filed a complaint with the XXXX a response wouldve been given by now and resolution determined but this is not the case. I am seeking the help of the CFPB to fix this issue please as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Last year we had a 6month forbearance on our Mortgage. Now we are trying to refinance in order to save money and move from a FHA loan to a conventional loan. I am told there is a FHA LEIN on mortgage to the tune of just over XXXX. We requested forbearance amount to be placed on back of loan - however by paying this amount back in full, ontop of refinancing principle balance will exceed the original amount of the loan to begin with. If this amount is repaid, it should reflect in principle loan amount decreasing not increasing by the XXXX. Currently mortgages is at XXXX, so paying this should reduce mortgage payoff amount, not add to total mortgage. This is paying the forbearance amount twice if refinanced - once to FHA and once to my current Lender, with out it ever impacting my actual loan amount. Please help resolve this issue! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX XXXX XXXX XX/XX/2021 dear sir/madame, i want to make a complaint about the navy federal credit union. i am coming to you because no matter how many times i discuss my concerns worries with them and make formal complaints they ignore them. i recently made a complaint with the better busines bureau but i received no response from the credit union. 

on yesterday XX/XX/2021, i checked by account and discovered {$2800.00} was debited into my saving account. i knew right away it did not belong there, so i called the credit union to report their error, once again. it took several calls for them to take the money out of my account and place it with the people that it belong to. 

their attitude was " it was just a mistake, XXXX XXXX '', she then tried to blame the irs no, because i only used that credit union for my mortage. the errors they made with my mortage has put me in financial hardship. they dont care if they mess up our money. 

my son, XXXX XXXX, told me he had the same mortgage problem with them concerning his money. this {$2800.00} error is serious to me. it should'nt happen. with a large organization as the nfcu. there sould be auditers, cpa 's and/or accountants so our money will go into the right accounts. just think if i had not discovered the error the person that money belong to could've been hurting, like i was when the made the huge mistake in my mortgage and escrow payments. why are they making errors with people 's money. i recommended my son to this credit union to handle his mortgage but the error with him was over {$6000.00} per my understanding. i am only mentioning my son to let you know there is a history or habit that the nfcu has with mortgage programs. 

i pay extra to principle and escrow every month from {$130.00} to XXXX for principal and {$20.00} to XXXX to escrow. they paid out to my home owners insurance XXXX in XX/XX/2021 then they said they received another bill for XXXX in XX/XX/2021 so they paid.again, that time that payment put me in a in a deficient. they said i was short XXXX so they took my mortgage up from XXXX {$910.00} i couldn't afford a {$70.00} increase. they dropped it to {$900.00}. 


these errors shouldn't happen. when we trust the credit union with our mone and mortgages we expect top notch wervice, but we are not getting it. the worse part is they don't care. 

i am requesting a response back and a remedy so i know it won't happen again. 
i worked 32 years with DoD, had i made mistakes like that i couldn't stayed there. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
A XXXX Bank Account shows on my credit report that should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: FL

Complaint narrative:
I have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.

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 2021-03-23 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 have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my 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 2021-03-23 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.

Company response to consumer: Closed with explanation