vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing XXXX XXXX XXXX, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of XXXX XXXX who is being represented by Radius Global.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX  and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX I came to know that my entire bank of America portfolio was compromised. On XX/XX/XXXX of XXXX my son XXXX XXXX somehow became co-owner of my Bank of America account without my knowledge and in the ensuing year he proceeded to siphon over XXXX in money without my knowledge and also opened 2 Bank of America credit cards that are now owed XXXX in total. I have disputed all of these with bank of america to no avail. Bank of America continues to deny my claims and ensures these accounts are valid when in fact they were open without my knowledge and I should not be responsible for the owed amount. I am a XXXX XXXX XXXX lady and it is clear as day that the purchases made on those credit cards did not come from me. Bank of America should have done a better job as a gatekeeper ensuring that this didn't happen to an elder but they did not and now they're requesting me pay XXXX for two credit cards that are NOT MINE! I have filed a police report and there has been an XXXX report filed for elder financial abuse with XXXX XXXX XXXX. Bank of America takes none of this into account and continues to claim these accounts are mine. This is malpractice. XXXX XXXX is also responsible for the attempt of opening multiple other accounts at other institutions but I have had those dealt with and will attach documentation to showcase that. I have also attached a personal statement that I have sent to BofA to no avail. It is absolutely shameful that they continue with this charade. THEY SHOULD NOT BE ADVOCATES FOR ELDER FINANCIAL ABUSE BY ALLOWING SOMEONE TO OPEN ACCOUNTS IN MY NAME AND DENYING MY CLAIMS CONSISTENTLY.

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 2021-02-05 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Prior to XX/XX/2020 my payments have been 100 % on time and at least XXXX days early! 
XX/XX/2020 - I logged onto my PennyMac Loan Service XXXX app to make my normal payment as I have done previously. ( since I've lived in this house ) I realized once I tried to make my payment the APP was malfunctioning. 
I called the number that was listed and spoke with a rep on the phone that stated that they were in-fact having issues with the app so she would help me over the phone. 
I nicely agreed and went on to proceed to try to make my payment over the phone ( which I already don't like doing, because of the scams ) She then stopped me and said " Oh, you know you've already paid for this month '' I stated that that info was inaccurate because I pay around the same time every month. She continued to state that I was already paid for the month & if I paid again it would be for the following month. My finances move a lot so I stated I did not want to pay for the following month only this month. 
I was already frustrated so I told her never mind, I was just calling to make this months payment, not to be in all this confusion. 
Long story short I ended up missing a payment because ( 1 ) the app was malfunctioning which is what caused all this ( 2 ) the rep on the phone told me I did not need to pay for this month ( knowing I didn't know proper loan terms, which were explained to me 2 months later ) I have had my same job during the entire pandemic so my income has not changed and the money was there ( once I saw the missed payment, I paid for XXXX & XXXX the same day ) I called back once I saw all this to speak with PennyMac credit reporting side, and they stated they don't do courtsey late payment removals. I then explained that if the app was working I would have made my payments as normal.. 
ALSO if the rep just would have reviewed my account or just let me PAY like I was calling to do ALL this could have been avoided! 

This has also kept me from refinancing my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Back in XX/XX/XXXX, I submitted a request to refinance my home with Navy Federal Credit Union. The original loan Officer was XXXX XXXX. During the process XXXX XXXX required me to submit several documents to her and one of them was an agreement I had with XXXX. The settlement agreement was due to expire XX/XX/XXXX. Each time I would leave a message with XXXX XXXX I would never get a response, so for nearly ( 3 ) months I keep trying to contact her so I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX and she informed me that XXXX XXXX had quit and she would be my loan processor. I informed XXXX XXXX that it is imperative that we don't miss the due date with XXXX. If that agreement expires then I would have to start that process all over. It took nearly two months to get XXXX to work with me in order to obtain the agreement. XXXX XXXX informed me that we would go to closing by the XXXX of XXXX. On the XXXX of XXXX at XXXX pacific coast time a I called XXXX XXXX XXXX confirm that we would be going to closing on the XXXX. XXXX XXXX then sent me an email on XX/XX/XXXX at XXXX pacific coast time stating one of her coworkers informed her that I didn't wish to continue with the process. I'm not sure were that information came from nor did I tell anyone that I didn't want to continue. Had that been the case why would I have called her the night before the day of closing? Since this process has started ( 6 months ) I have had nothing but one excuse after another from Navy Federal Credit Union. I have paid {$600.00} for an appraisal and to have my credit report retrieve. As it's known Everytime an inquiry is submitted against your credit report it affects your score. I feel I have been taken complete advantage of. I don't know if it's because their loan processing offices are in XXXX, FL and I leave in XXXX XXXX, CA and they feel their is nothing i can do to them. I hope by filing this complaint they realize they are beyond the reach of any consumer. 

Your assistance with this matter would be greatly appreciated. And any restitution that I can obtain would be worth the stress I have to experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2021-02-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
In XXXX of 2017, I opened a checking account with XXXX XXXX XXXX. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. 

When I went to the bank to see the manager, I was accompanied by my two granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. 

Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my ChexSystems Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that XXXX  XXXX XXXX had reported me to ChexSystems in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The ChexSystems report also indicated that I had an unpaid amount owed to XXXX as a result of the closed account, which is also inaccurate. 

I contacted XXXX several times to request that they remove the false information from ChexSystems, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe XXXX any money ). 

The false and negative report by XXXX  XXXX XXXX to ChexSystems is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the 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 2021-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XXXX XXXX 2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom and XXXX. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I attempted to refinance my mortgage through AmeriSave Mortgage company. I received an initial loan estimate with a closing cost of {$5600.00}. I was told that here was an application fee of {$500.00} but was told that that would go toward the appraisal so don't worry. Appraisal was done and a closure disclosure was eventually emailed with a closing cost of {$8000.00}. Almost @ XXXX difference. I had 5 days to sign documents or my loan process would be closed. I have been calling to discuss the change for the last 2 weeks and no one answers the phone throughout the company. Have left over 20 messages with the loan officer and company. There is no way I would sign anything without first talking to someone. I've used different phones to call from thinking that maybe they wouldn't recognize my number. I guess that they assumed that since I paid my {$500.00} I would be pressured into signing the documents so I wouldn't lose my money. The old bait and switch.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX, Carrington mortgage services LLC, XXXX : XXXX, Fax : XXXX. On XX/XX/XXXX, over the mail, I received the new home insurance quote, on XX/XX/XXXX Carrington mortgage services LLC paid the new quote, by federal law, on the contract and the type of loan says that I have 30 days after I received the new home insurance quote for me to choose different home insurance, after I called carrington several times they don't want to stop the new home insurance quote, also after 5 years in row I haven't miss any payment, and the premium should go down, but carrington won't do it either, and at the top of that they want to charge extra fees. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My credit score keeps going down due to accounts I do not have I called target and XXXX XXXX to fix the issue because I never opened accounts with them and it still shows that those accounts are delinquent these delinquent accounts are really affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower.

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

Navient has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and Navient reflect the appropriate positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX and Macys. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is Macys Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing Capital One Auto, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of Capital One who is being represented by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EquiFax 's Company Response to my complaint : " In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
on XXXX2021 I sent a letter out over 30 days ago stating that I was in violation of my rights as a federally protected consumer in pursuant to U.S Code 1681a ( 2 ) ( B ). These credit reporting agencies are also in violation of 1681b ( 2 ) which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with the written instructions of the consumer to whom it relates ''. I, XXXX XXXX, did not give these credit reporting agencies any written consent to report anything on my consumer report, no consent is considered identity theft and also violates my right of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: OH

Complaint narrative:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation