vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: High Point Asset Inc
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX  11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-03 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: NY

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
FORBEARANCE from the pandemic has now turned into a foreclosure! My payments were current each and every month until XXXX of 2021. I applied for forbearance and was granted a forbearance. I extended the forbearance another 90 days to XX/XX/2021. I had requested to exit forbearance this month in XX/XX/2021 as I was offered a solution of a reduced interest rate to 2.58 % and extend the loan term to 40 years. I have recently been informed that my loan is in foreclosure and I owe nearly {$19000.00}! The mortgage statement for XX/XX/2021 also reflects that XXXX and XX/XX/2021 were included in the forbearance, yet I did not request forbearance assistance until XX/XX/2021. 

My good credit rating does not exist anymore and this is not how the forbearance is supposed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Nelnet, Inc.
State: OH

Complaint narrative:
I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but Great Lakes Education Loan Services could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXX not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE FINANCIAL CORPORATION is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. CAPITAL ONE FINANCIAL CORPORATION has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. At this point CAPITAL ONE FINANCIAL CORPORATION has sold for gain my location information to two different corporations. CAPITAL ONE FINANCIAL CORPORATION has disabled accesses to my account since 2018 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Behavior like this is predatory, harassment, oppressive, abusive and harmful and will not be tolerated.

i now have 3 different corporations reporting on my credit report for the same credit line stating i owe them all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
We have a 15 year balloon payment due in XX/XX/XXXX. Mr Cooper is the mortgage company. We accept responsibility for loan. We have paid this loan monthly since XXXX. 
Our issue is that we never received information regarding the loan expiration. 
We had resources that if we had gotten info saying the XXXX was due we would have taken measures to stop this. Telling us on XX/XX/XXXX when we are making a payment and demanding full payment is beyond our means We have reached out to this company for options has not being fruitful. We are registering a complaint with Mr Cooper in hope that this complaint will help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NJ

Complaint narrative:
I, XXXX XXXX have received a hard inquiry after applying for a car lease with XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my 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 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: MS

Complaint narrative:
I have received repeated phone calls multiple times per day from this company. When I accept the call, no one speaks and they end the call. 

This has happened on the following dates at the following times : XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX I feel harassed at this point with the constant calling and hang ups. According to 15 USC 1692d under Harassment or Abuse, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Subsection 5 specifically states causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2021-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I received a notification that my accounts in experian boost had been deleted and to reassociate with my XXXX  XXXX XXXX account on the experian website to resolve. This association syncs my utilities, etc. to show my positive history of payments which have been paid from this account for 15+ years. 

I reconnected my bank to boost ( not sure why it was disassociated ) and received confirmation from both the bank and experian that the association was restored. After giving it a week to rediscover the utilities history, it never displayed, so I called the support number and spoke to a rep who had me clear browser history for some reason and go through re-association again. I did, and this made no difference. 
I can no longer reach any live support in the XXXX available range, and the phone numbers etc bring you to menu 's that never connect to any type of live support. 

I did receive a notification of a drop of XXXX points on my fico score since the accounts are no longer showing, although only positive changes have occurred in my credit situation. I would like to speak with a live person who can actually fix this issue since there is no reason this should no longer be reporting.

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My business suffered greatly due to Covid. My business has been not operating for months now. I called to remove the fees but the agent was only able to refund a few and was unable to refund the entire fees. Please refund the monthly maintenance fee ranging from XX/XX/XXXX to XX/XX/XXXX as I'm financially struggling.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
We have been trying to get a modification from Rushmore loan servicing and they have constantly been giving us a hard time. We applied several times because we are anxious to start repaying our mortgage. They keep miscalculating our income, or find some other reason that does not make sense. The last time they denied us, one of the reasons is that since I was on unemployment due to Covid closing of my company, they said they cant offer a modification on unemployment income because its temporary. However my company reopened two months ago and Im once again back to my usual income. We reapplied and they denied us and told its our denial is permanent.

HOW CAN THEY TELL US THEY TURNED US DOWN FOR TEMPORARY INCOME, BUT THEN WHEN WE REAPPLIED WITH GUARANTEED IMCOME, ,THEY ARE STILL JERKING US AROUND? DID THEY LIE TO US??? IF THE REASON THEY STATED WAS REMEDIED, THEN WHY NOT GO AHEAD WITH THE REVIEW???

Also, we got Sheriff sale date even though we never received a court date, nor even a copy of a judgement against us. How can this XXXX? Where are our documents we should have gotten to come to court? Where are the judgment documents that we never got? Seems to me this is a case for a judge because too many unanswered questions and irregularities concerning this bank and their lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being considered a total loss. I had a vehicle service plan and GAP coverage through a 3rd party. Capital One received the refund for the service plan and applied this to the balance of the loan prior to receiving the payoff from my insurance company. On XX/XX/XXXX, XXXX, they sent me a letter indicating that the car was paid off. In this letter it indicates that if there were any of these policies that they would be working w/these insurance carriers to determine any refunds and that no action would be required on my part. 
I contacted the GAP provider on XX/XX/XXXX, to determine the status of my GAP refund. The rep w/that company advised me that I was due a refund of {$300.00} and that those funds had been sent to the finance company, Capital One, and that I should contact them to see about the status of my refund. I contacted them right after. Their IVR informed me that the loan was paid off and that the title had been released. I spoke w/a rep who told me that she could see notes in their system dated XX/XX/XXXX that their 'back office ' was working on the refund and that their turn around time is 35 days. She was unable to explain why it would take 35 days to issue the refund. I was then transferred to a resolution specialist who also was unable to explain why it would take that long other than to ensure that the status of the loan didn't change. I explained that the status of the loan wasn't able to be changed as the car was a total loss, the loan had been paid off and the title released. They have record of all of this.

I firmly believe that Capital One is holding these funds in an interest bearing account until the last moment so that they can collect money that is not due to them.

There are regulations in the mortgage industry in which a mortgage servicer has 15 calendar days to have a refund back into a borrower escrow account upon the cancellation of a lender placed insurance policy. There should be a similar requirement for an auto finance company to issue a refund in a timely manner. 35 days is anything but timely. Should I have not made my car payment for 35 days, I would have been assessed late fees and a negative report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing today in regards to inaccurate data which is reporting on my credit report for the following account. American Honda Account # XXXX. At the completion of the lease. 

This account was set up on autopay without any incidence for years. I applied for a mortgage and was notified that an issue is reporting on my credit report in XX/XX/2021. This can not be accurate since this account was set on autopay. Once I was notified by the mortgage company of the issue I purchased the vehicle in full to avoid further issues. Yet the balance and past due amount are reporting which certainly can not be accurate. American Honda is neglecting me and has caused me harm. I tried resolving this and have not gotten anywhere. This is hurting my chances of taking out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2021===Capital One Bank... ..Did not give money of a CD when it already matured ... .holding money for ten days ... ..despite my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
*This is the second of two similar complaints that reference two completely different accounts. Both are CapitalOne QuickSilver cards. I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.

Company response to consumer: Closed with explanation