vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
This is a very long story but I'm going to do my best to stick to the pertintent details. All of this started with discrepancy with my property taxes. I went to the XXXX County Board of Assessors Office and reached a reasonable agreement to settle the property taxes. However, there was still an issue with the amount that they needed to correct. I notified my mortgage company to let them know before any problems were to arise. My mortgage company UWM ( United Wholesale Mortgage ) said I had nothing to worry about and thanked me for letting them know. All of this began just before the COVID-19 Pandemic Lockdown. I wrote a letter to UWM explaining the situation, as well as attaching supporting documents. I never heard back. I frequently called UWM to monitor the situation and asked them more than once if I should just pay the inflated amount and sort it out later. However, they said that I had to wait. I finally heard back in early XX/XX/2020, but it wasn't pleasant news. I received an email from UWM, stating that they paid my property taxes including an overage of {$1700.00} and that they were creating an escrow account, thus increasing my mortgage over {$1000.00} per month. To say that I was furious would be an understatement. To make matters worse I had inquired about the COVID-19 forbearance program but told the representive I wasn't interested if it would hurt my payment history and prevent me from having PMI removed from my mortgage. She assured me multiple times that it wouldn't. After looking into it, I decided that it wasn't worth it because they wanted all the money at the end of the 90 days, which is ridiculous. However, once again UWM found a way to extort more money out of me and told me I couldn't get out of forbearance. I paid them the money anyway but the held the funds in a " suspense account '' and continued to keep me in the forbearance plan even though I've been paying them on time every month. I am not behind on this mortgage and never was. I have paid this home down to 79 % which makes me eligible to have PMI removed but UWM keeps saying that XXXX XXXX won't let them drop the PMI, which isn't true. I truly believe UWM set all of this up just so they would have a reason to deny me the relief I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Subject : Complaint against XXXX XXXX of XXXX XXXX and Acura Financial Services Regarding my Lease Agreement for a XXXX XXXX XXXX SH-AWD w/Technology Package on XXXX XXXX Summary : XXXX XXXX of XXXX XXXX and Acura Financial Services violated the Truth in Lending Act when they withheld disclosure of additional charges pertaining to my lease of the XXXX XXXX XXXX. The additional charge of approximately XXXX was added to the Rent Charge. This undisclosed charge increased my monthly payment form approximately XXXX to XXXX ; and it significantly reduced the 14 % discount that we negotiated. I did not receive written disclosure of this additional cost before signing the Lease Agreement, and there was no verbal disclosure to me by the following employees of XXXX XXXX who assisted me with the purchase process : Mr. XXXX XXXX ( Internet Sales Specialist ) whom I received an email from promoting their end of the month sales special with up to 15 % off New RDXs ; Mr. XXXX XXXX ( Sales Manager ) who negotiated the details and terms of the lease ; or Ms. XXXX XXXX ( Finance Manager ) who reviewed the terms and the completion of the Lease Agreement with me. I was denied the ability to accurately evaluate the true value of the negotiated discount price for the vehicle because the details of the undisclosed cost ( rebate ) within the Rent Charge was not disclosed to me. The details of my Lease Agreement with XXXX XXXX are attached, which includes my detailed statement and Exhibits 1-10.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: PA

Complaint narrative:
i have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back

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 2020-11-19 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: PA

Complaint narrative:
i have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back

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 2020-11-19 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: PA

Complaint narrative:
i have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
First i have never been late with a payment and i always pay extra to my principal every monty. 
Last year Mr. Cooper/nationstar gave me the option to pay the escrow variance or have an increase in payment. i opted to pay in full. they still increased the payment. 
Same thing happened this year with the escrow and even though they increased the payment, my account shows an excess. Your escrow analysis was on XX/XX/XXXX. At this analysis, you have a surplus of {$14.00} Then they refused to pay my Home owners insurance which was almost cancelled. 
Now, on XX/XX/XXXX, I sent a {$34000.00} Principal payment after I paid my XXXX payment on XX/XX/XXXX. i wrote on the invoice Principal only and on the check Principal only. They took out a payment and took the interest on the principal payment. they applied {$32000.00} to the principal, then took {$160.00} in interest that they stole, put {$580.00} in Escrow, and another {$490.00} to principal. 
i emailed : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX requesting to have this fixed. They refuse to respond to the email. i called Mr. Cooper and spent XXXX minutes on the phone while they " corrected '' it with a supervisor. i was told to wait XXXX hours before I would see it and they would monitor it and call me back. I never heard back and it was never corrected. i wrote on XXXX and was told by XXXX XXXX '' XXXX '' to call her. I called her and left a message. She never returned the call. I posted again that she did not call. i posted a snapshot of my phone showing that I did call her at the exact number she provided XXXX last year she provided a different number ). i also called the " customer Service '' number tonight which says " you are not calling during working hours '' and disconnects. Who knows what working hours are or the time zone because it doesn't say and you can't leave a message. Then i sent an email to XXXX tonight at XXXX. I don't expect any different results. I can provide any and all emails, XXXX responses, calls, etc. 
XXXX XXXX. 
Manager I dont have any missed messages or calls. Please Call me directly at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CA

Complaint narrative:
I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX Police Department. 

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK
State: WI

Complaint narrative:
On Wednesday XX/XX/XXXX I received an email from Discover stating the following : XXXX, weve selected you as a valued Discover Cardmember with a responsible credit history. You have an opportunity to apply for a fixed-rate Discover personal loan to consolidate your higher-rate debt.1 Simply get started online before XX/XX/XXXX. 
I was hesitant to apply simply because I've been working strenuously to fix my credit score over the past few years. After a few days, I decided to go ahead and try it as I thought this would help me better manage my funds. I applied on Monday XX/XX/XXXX. I was told via the online application system this would not impact my credit score to just take a look, so I applied. I was told online that I was approved and simply needed to send proof of income to get the process started ( which didn't quite make sense since I already started the process [ so I thought ] ). After furnishing proof of income ( well above their qualifying limit listed ), I was forced to call an agent to " finish the process '' - which I did. That agent also said I was approved and all they had left to do was verify my income. After two days and a hard inquiry to my credit, I have now been denied for the debt consolidation loan they said I was approved for. I would not have even considered this if I wasn't already a Discover customer and if I was not told ( multiple times ) that I was approved. It was not " pre approved '', they said approved. This is the definition of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CA

Complaint narrative:
On XXXX Tuesday at XXXX XXXX  PST ( XXXX XXXX  EST ), I/COMPLAINTANT talked to a representative via XXXX for about 10 minutes. I/COMPLAINTANT tried to raise issue with a merchant ( rather to mark the transaction for the merchant to identify my/COMPLAINTANT 's login credentials, in this case ). 
However, the representative was rather difficult on processing this dispute. 
( 1 ) I/COMPLAINTANT aware of being able to file dispute via mail or online but representative was overly curious on why I don't file this via online method. 
( 2 ) He filed the dispute for amount more than what I/COMPLAINTANT asked for.

( 3 ) I/COMPLAINTANT tried to NOT make this dispute a " fraud '' case, however, representative tried to insist that the credit card number be replaced with a new card. 
COMPLAINTANT/I insisted back and convinced the representative to simply process the dispute WITHOUT replacing the card with a new number. 
COMPLAINTANT/I would like to remind the representative that he/representative does not have to advocate for the merchant or for me/COMPLAINTANT. However, in this case he/representative tried to, by insisting that changing the credit card number with a new card is a necessary step.

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 monetary relief
Consumer complaint received 2020-11-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Made a online purchase XX/XX/XXXX immediately tried to contact merchant to cancle order and they have been unresponsive. Chase bank is refusing to cancle the transaction and credit my account. I now have {$770.00} of credit in limbo that I can not use

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
under cares act this retirement account was allowed to be distributed and closed with no fees or penalties and the full amounts to be sent as soon i sent that in writing and filled out all their forms. depsite 19 emails they never sent any funds. being reported to DA, FTB and SEC for fraud.

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 2020-11-19 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: CA

Complaint narrative:
Equifax is reporting a fraudulent account from XXXX XXXX. XXXX  and XXXX  investigated and found account to be fraud. Both bureaus removed account. Equifax is still reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I had autopay turned on at GM Financial and had made timely payments throughout the lifecycle of my lease. At my lease termination, I had returned my car and closed the account as the account was paid in full. Couple months later I found out that someone had added on {$36.00} fees without notifying me after autopay had paid off the account in full. 3 months later I find out through my credit report that I now carried a balance. I called GM Financial and even they were surprised stating this was the first time they had seen this either. However, no action was taken after I submitted 2 complaints and had 2 phone calls with them. It now shows that someone had closed out the account to cover their tracks but left the errors still showing on the account so now I have proof of their errors and evidence of hiding their tracks. 

This is a disaster of company operations and GM Financial should be held accountable. I can't imagine how many others are being affected by this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today XX/XX/XXXX I was at XXXX XXXX XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.

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 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX, MRS BPO reported a collection account to my XXXX  and XXXX  credit files. The original creditor is XXXX. This debt was previously sent to a different collection agency who filed a claim under my Chapter XXXX Bankruptcy that was filed in XX/XX/XXXX. Additionally, MRS BPO failed to provide notice of the debt in writing. 

On XX/XX/XXXX, MRS BPO received written notice of their violations of the Bankruptcy Automatic Stay which prohibits ANY form of debt collection to include reporting collection accounts to credit reports in hopes that consumers will pay the debt to have it removed. MRS BPO is not only in violation of the FDCPA and the Bankruptcy Protections, they are committing FRAUD as it is illegal to attempt to collect on a debt twice and a debt that is receiving payments through the Chapter XXXX Wager plan. MRS BPO failed to provide validation or even respond to the written notice within the allotted timeframe ( 30 days ). The account still remains on my credit file as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 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:
On XX/XX/2020, I wrote to XXXX, Experian and XXXX  requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 2020-11-19 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a XXXX  & XXXX. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.

Company response to consumer: Closed with explanation