vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 explanation
Consumer complaint received 2020-07-07 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We have tried to contact Wells Fargo multiple times about the court case associated with my Fraud Claim. Nobody has called the court, and we just want someone to talk to.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for a mortgage with USAA. The initial application was on XX/XX/20. I had never received a letter or call regarding the status of my application so I went online to ensure I had applied and resulted in an additional credit inquiry on XX/XX/20. When I called to inquire about my application, which by this time realized my credit was pulled for a second time, I was told by a representative that she will have to deny my application because there is a fraud alert on my credit report and she is unable to verify my identity. Ive been a member with USAA for more than 10 years and have never had any issues until now. I have an extended fraud alert on my credit report due to the XXXX data breach a few years ago where my personal information may have been released. The mortgage lender I applied with after my denial with USAA had no problem asking for a copy of my drivers license and a written and signed letter to confirm I was who I say I am and I was approved with no issues. USAA did not offer this option at all. They are not supposed to deny applicants based upon a fraud alert that is there for their protection and decide to deny them without asking for any other information to verify my identity with. Very dissatisfied with the service I received as a more than 10 year member.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I lost my car due to an car accident. The insurance company ( XXXX XXXX ) paid most of the total loss on the car with a balance of around {$1700.00} left which was subsequently paid by a refund for the extra car insurance provided by the car dealer which left a balance of {$290.00} in XXXX of XXXX. Capital one auto finance claimed they made an attempt to reach me by mail with a letter describing the leftover balance and urging me to contact them which was never received by me. In XX/XX/XXXX the {$290.00} amount was charged-off in the closed account for non-payment causing my credit score to drop more then 100 points. I have never made a late payment, missed a payment nor did I receive any communication or correspondence by mail, email or phone from capital one auto financing stating there was a remaining balance. They also have an app from which I made all my payments which was disabled by capital one auto financing following the accident and further impeded me from knowing what was going on with the remainder of my loan. They stated that they had no responsibility to contact me after they had received payment from the car insurance and when asked for a customer complaint division they stated they don't have one. After speaking with a representative at capital one auto financing I found out that there was supposed to be a survey correspondence following every call made to capital one following a customer service call and I have never received one. They have proven that they are unwilling to take responsibility for there actions by not sending me a survey throughout the life of the loan and continue to report an incorrect charge-off on all of the credit bureaus ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Lending Club Corp
State: FL

Complaint narrative:
Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past ( LendingClub ). I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to LendingClub they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. LendingClub then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. XXXX has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with LendingClub or contact information for my attorneys and no information has provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: MO

Complaint narrative:
Equifax is reporting that an item from XXXX XXXX was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though XXXX XXXX verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I attempted to use my main bank ( PNC ) to use a budgeting, and payday loan app called XXXX. When doing so, it was made apparent to me the PNC no longer supports this type of app. This happened on XX/XX/20. This makes it so I am ineligible for this type of app or service, due to PNC blocking my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XXXX  is reporting that an item from American Expre was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though American Express verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NY

Complaint narrative:
The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: NY

Complaint narrative:
The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I've have disputed this account with XXXX XXXX XXXX last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see Credence bought this debt from XXXX XXXX XXXX  from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida  told me that if any company try to buy that debt and try to collect to let him know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
While pursuing/applying several times for a refi with Wells Fargo, during the review/underwriting process there denial ( see attached denial letters ) reason ( s ) could have been addressed ( see attached email from title company ) before issuing a denial letter ( s ).

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I usually make my mortgage payments directly out of my checking account, but because I am not working as I normally do I have sent cashiers checks certified mail. SPS Mortgage has lost 4 of my mortgage payments since I have been with them. I am current on my mortgage, but feel like maybe they need late charge money. I made XX/XX/XXXX's payment the end of XXXX and sent it certified return receipt and XXXX XXXX and they lost it.The check was signed for XX/XX/2020. I put a stop payment on the check and received a notice for NSF I sent the second check which was signed for XX/XX/2020 by XXXX XXXX. Again, we have called 4 times and keep looking at the payment site. They can not find the check. They have asked for us to make our payment out of my checking account. They do not care that they lost it and do not even pretend to be sorry. Banks are closed and walking in to put a stop payment on any type of check is not easy. They just want it sent again. I had reached out to their ombudsman department, a supervisor and numerous other people. Please help me I know that many people must be affected by their servicing. My background is Escrow so I am absolutely shocked at their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I tried to give access to XXXX XXXX  and it was not cleared with PNC bank, I cant receive money from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: FL

Complaint narrative:
I submitted two written request for incorrect reported items on my credit report with Equifax and XXXX. I take my credit very seriously and I submitted a second written request to Equifax XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX in the amount of {$2100.00}. I also submitted a written request to XXXX requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I received a collection notice from Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX for {$510.00} XXXX. 

I have never had their services the cable services I have had for the last 15 year has been in my husbands name not mind and we transferred our services to my new address. I dont know how they have my address for this it has to be a fraud, scam or the wrong person. XXXX XXXX XXXX has lost a lot of business I have seen on the news now there creating fake accounts with peoples information. 

Some one at this company is doing fraudulent activity getting people information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I called Specialized Loan Servicing LLC ( SLS ) at XXXX at XXXX EST, on XX/XX/2020, to state that I would be switching homeowners insurance companies from XXXX XXXX XXXX  XXXX to XXXX XXXX . The SLS rep told me to call their escrow line at XXXX. I did so at XXXX XXXX EST, and I requested that no payment be made from my escrow account. I was assured the payment of {$1300.00} had not, and would not be processed to XXXX XXXX XXXX  XXXX. 

Today, XX/XX/2020, I received an e-mail from Specialized Loan Servicing LLC which stated that they had made the payment of {$1300.00} to XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing LLC, through its incompetence, has stolen {$1000.00} ( the payment caused a negative balance of {$280.00} ) from my escrow account. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to Equifax, XXXX, and XXXX. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
XX/XX/2020 Dovenmuehle I started the process of recasting my mortgage with Dovenmuehle Mortgage Company XX/XX/2020. They sent a letter with instructions and I complied. XX/XX/2020 they sent me a package to sign and have notarized. The fee for the recast was {$300.00}. They also charged a fee for an escrow fund of {$300.00}, which I do not have. The special loans department that handles this does not take phone calls or respond to emails. I can not contact the special loans department to fix these issues. No one can help me. It appears they are refusing to return the error they made of {$300.00} in their favor. I have contacted Dovenmuehle many times. They have a bull pen that you contact meaning each time I contact them I get a new rep so I have to start over with the issue each time. I always ask for a manager and get transferred to a manager and again I have to repeat the issue and they can not resolve it. Two times when I was on hold with the manager while they were trying to get information and they lost my call they did not try to contact me, I had to contact them again each time and start over with a new rep. I was told they were not allowed to contact a customer if a call was lost. They say they are sending the money for the error to me but, I never get an email, phone call, letter or the money regarding this. I was also told when I sent the money to put on my mortgage it would go to the special loans department. I have not signed any paperwork at this point. I found they put the money on my mortgage without my consent. They have not corrected the figures and did not send disclosures of fees etc. At this point I can not get any pertinent information. 
XX/XX/2020, They supposedly fixed the issue with the escrow fee. But now they claim I sent in a payment on XX/XX/XXXX and the bank returned the check. This did not happen. Here is the sequence of payments this year. 
I sent in regular payments on time of {$1100.00} on time XXXX, XXXX, XXXX. I recast my loan in XX/XX/2020. I sent in 2 payments of ; {$57000.00} and {$91000.00} totaling {$140000.00}. {$140000.00} went to the loan, {$300.00} was for the recast fee and {$1100.00} was for a payment. 
So I was a head on payments one month and I sent in payment for another month that covers XXXX and XXXX. 
Then I sent in payments XXXX and XXXX. There are no bad checks or returned checks. All payments were sent in properly. Yet they still want another fee of {$300.00} that they can not explain. They are the worse company I have dealt with. They will not let me talk to the loan department. They have made a simple recast a nightmare.. If I do not the unaccounted fee of {$300.00} they will hit my credit and send to debt collectors or worse. 

I can not change who services my loan. 
All of the above is completely unacceptable

Company response to consumer: Closed with explanation