vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AA Recovery Solutions, Inc.
State: TN

Complaint narrative:
XXXX XXXX contacted my family- I got the message and contacted him back within an hour of him calling my family. 

I confirmed my contact information and asked him not to call my family anymore and remove their numbers, as well as send me the information regarding the debt so I could verify it. 

XXXX XXXX contacted my brother again as well as my brothers ex wife AFTER I communicated with him requesting zero contact to anyone but myself. 

I called back and requested again that he not call anyone but me and he listed off every single family members name that he could call. When I asked him if he knew what the debt was for he told me to walk around my house and figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Upon the of sale our home in the state of XXXX and intent to move and purchase another home in the state of XXXX. We asked our lender at the time, Flagstar Bank, to help us with this new purchase since they were 1 ) servicing our current mortgage in XXXX and 2 ) approved us for a re-finance in XXXX. I believed it would be an easy process seeing that they had all of my financial information in their system. XXXX XXXX XXXX, a Loan Originator at Flagstar, did prepare a pre-approval letter for my new home purchase in XXXX on XX/XX/21. On XX/XX/21 I began the search for a home in XXXX On XX/XX/21 I wrote an offer on a home and that offer was accepted on XX/XX/21. The offer was accepted based on the proof of funds from the sale of my home in XXXX, 1 % earnest deposit of {$4800.00} and updated pre-approval letter dated XX/XX/21. The updated pre-approval letter was provided by XXXX XXXX with a new loan amount from Flagstar that reflected the purchase price of the new home. Escrow was opened on XX/XX/21 and XXXX XXXX XXXX, Loan Processor at Flagstar began to ask for financial documents and for me to prove my legal citizenship and other personal documents from my son also due to his student loan. XXXX XXXX continued to ask for these types of documents and letters of explanation throughout the entire time, leading me to believe I was going to secure a loan. I was the Realtor representing myself and my husband in the transaction and was observant of the contingency time lines, as contingencies are set in place to protect the buyer 's best interest during the transaction. I did my best to communicate with XXXX XXXX and XXXX XXXX of Flagstar and continually provided them with the personal and financial documents they requested. This led me to believe that we would be able to secure this loan. They did not inform me that our loan with Flagstar had been denied on XX/XX/21. The last date to withdrawal my offer due to a loan contingency and not lose my earnest deposit of {$4800.00} was on XX/XX/21. I was finally informed that I was not able to secure a loan from Flagstar on XX/XX/21, the day before we were to close on the purchase and well past the loan contingency date. This then resulted in a direct violation of the contract and I was forced to forfeit my earnest deposit of {$4800.00} to the seller solely due to Flagstar 's negligence and failure to inform me to withdraw my offer. Flagstar had 13 days to inform me that our loan was denied. I believe that Flagstar is responsible for giving mw my earnest deposit that I lost in the amount of {$4800.00}.

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 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I explained to the company that the loan was taken out by someone else. However, the loan was paid off so that my credit wasn't impacted but it negatively affected my credit. Requested for the company to remove the tradeline from my report and they agreed, however, it is still there on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Checking account was closed by bank when Huntington National Bank took over TCF Bank. The account was a TCF account in the name of XXXX XXXX XXXX. After numerous inquiries over more than three months I have not yet received a response from Huntington nor have I received the funds that were in the account. Attached please find a bank statement and copy of the debit card they sent me. 

Please help me obtain the the funds that were in the account when they closed it. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. Made a request for a method of verification as it pertains to a XXXX XXXX XXXX  account that was reporting on my credit report. That request was received by the credit bureaus in XX/XX/2021. To this date all I have gotten are letters stating that it is reporting accurately. There method or procedure used to get this conclusion were not disclosed. 

2.I would also like to opt out of a clause that the credit bureaus have which states that if you created an online account with them to view your credit report with them, then you can not file a lawsuit against them. I want the credit bureaus to opt me out of this clause please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Calvary claim that I owe the debt and hired a law office called XXXX XXXX XXXX XXXX to collect the claimed debt, when I found out I requested with in 30 days to validate the debt using US certified mail from the law office on XX/XX/2021, who referred me to Calvary which I requested to verify the same debt in XX/XX/2021, all I received from them was questionnaire asking me question about the debt, and the only thing they refer to is a revised judgement they took without serving me and when I found out about it I immediately requested to show cause and the judgment was revised. and when I tried to call Calvary to question their behavior, they refer me to the attorney who referred me to a revised default judgement I mention earlier. Also, later on as if they register my number in there system not to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FCC Finance, LLC
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Last XXXX XXXX FCCFINANCE {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account This account has XXXX late payments because it is fraudulent thats why payment is not being made but yet it stills reports FCC FINANCE continues to report an open fraudulent account. They continue to report late payments, which is affecting my credit worthiness and my ability to get a home. XXXX XXXX and FCC Finance continue to report incorrect information to my credit report. I will be filing a consumer lawsuit against XXXX XXXX XXXX, XXXX XXXX and XXXX for their negligence and total disrespect to my claim. Ive disputed this account over 6 times and yet it still reports on my credit. Ive sent in verifying documents such as, police report, sign affidavit, dispute letters, even called XXXX and spoke to the special handling department and was told my social security number and personal information did not match and my XXXX account was going into maintenance to correct errors that XXXX has reported. 

I spoke with XXXX XXXX XXXX XXXX XXXX of FCC who ensured me that the fraudulent account would be removed immediately from there system due to fraud but yet it still continues to report. If this account is not removed with in 24 hours. I will be filing a lawsuit against FCC Finance LCC and XXXX. For violating my consumer laws and violating the FCRA. I also believe that FCC Financial has violated the ( The federal Fair Debt Collection Practices Act ( FDCPA ) after countless times of me letting them know that the debt was not mines. They still called and harassed me concerning the account. 

Under the FDCPA, lawsuits alleging violations of the FDCPA must be brought " within one year from the date on which the violation occurs. '' ( 15 U.S.C. 1692k ( d ) ). In the case of Rotkiske v. Klemm, 589 U.S. ___ ( 2019 ), the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine. 

Ive also contacted the FTC with FDCPA concerns. 

Ive also contacted the states attorney general concern this matter. And plan on pursuing full legal action on XX/XX/XXXX FCCFINANCE {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account FCC FINANCE , LLC XXXX XXXX XXXX # XXXX XXXX, TX 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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021 i noticed there was charge of {$3200.00} from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I discovered the charge on XX/XX/2021 and l contacted my bank immediately telling them l do not know that company and l have never done any business with them. My card was blocked and a new one was issued, I disputed the transaction and bank of America which is my bank denied my claim. 

I XXXX the name of the merchant and l called them to let them know about their charges to my account, I was told their client made payment in their store by calling me to give them the card details, I told them that was a lie as l didn't speak with anyone in their company niether did l give anyone my card details over the phone. 

I need my money back because l didn't authorized that transaction and l have never done any business with the merchant and don't have anything to do with them.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
When i began my forbearance period with Santander Bank, I was told that my payments would be frozen and they would be added to the end of the loan. I was a bit skeptical, but was on the phone with the bank as well as the XXXX XXXX ( XXXX XXXX : XXXX ) and i received confirmation that the loan would be frozen and any missed payments would be added to the end of the loan. Now, my forbearance period had ended. In speaking with XXXX XXXX in executive relations for Santander Bank, she did confirm that my loan was paused/frozen, but i am still responsible to pay all of the interest that accumulated during the forbearance period. the only options presented were to either pay one lump sum now, including all of the interest that accumulated during forbearance. Pay it at the end of the loan in one lump sum or have all of the missed payments including the interest spread across a new 40 year loan. Hence, i will be paying interest on interest on a new 40 year loan. I asked about the option to add the missed payments to the end of the loan and extend out by that amount and i was told that it is no longer an option and i could refinance the balloon payment once i pay off my mortgage. I asked why am I responsible for all of this interest during my forbearance period if my loan was frozen or placed on pause. XXXX went around the answer and just told me that i would have owed that interest regardless if i had been making my payments. I feel that Santander took advantage of my situation and is now going back on the agreement to make more money off of my situation. I have offered to bring the loan current with some money my parents are lending me if they can remove the interest that should not have been accumulating during the forbearance period. i have been told no. I feel they took full blown advantage knowing that i was in bad situation and lied to me and now do not want to take responsibility for the information that was conveyed to me. Santander should make this right and remove the interest on the loan as it should have been frozen. Ideally, when i came off of forbearance, i should have only been responsible for the escrow that accumulated during that time and when i restarted payment, it should have been at the same amount when i went into the forbearance.

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 2021-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I reported XXXX fraudulent charges on my CapitalOne card, all by the same fictitious vendor. CapitalOne reimbursed me for XXXX of these charges, but then inexplicably claimed that XXXX of them were not fraudulent. All the charges were made by the same scam company. 

The fraudulent vendor appears on my statement as " XXXX '' ( XXXX  " XXXX '' ) but this is distinct from the legitimate company that appears on my bill as " XXXX ''. I did not dispute any charges from " XXXX '' and indeed continue to pay this monthly charge, but I did dispute all charges by the XXXX  company since these were scam charges. Unlike the legitimate XXXX charges, the XXXX  charges are a different dollar amount every charge. Also unlike the legitimate XXXX charges, they often appear more than every month and on different days of the month. 

After the reimbursements were denied for XXXX of these fraudulent charges, I called CapitalOne and they claimed that the reason for the denial is that the fraudulent charges were more than 6 month old. They agreed that they were fraudulent and that all of the other charges by the same vendor were fraudulent, but anything older than 6 months was my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: IL

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: U.S. BANCORP
State: IL

Complaint narrative:
I have a credit card from US BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and US BANK with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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