vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
I applied months ago with Cardinal and received my pre approval. The file went through initial underwriting normally with the underwriting team responding back with Conditions that should be met before the loan would be approved. The conditions were suspicious and seemed to have nothing reasonably to do with ensuring my ability to pay the loan or complying with FHA guidelines. Some of them seemed very targeted and arbitrary, but none the less, I complied and completed every requested including pay off a tax obligation that was 1. not yet due 2. was not in collections 3 did not interfere whatsoever with the company 's ability to secure first position with the mortgage. The night after closing was suppose to happen, the underwriter seemed to question a document that I sent months ago that she approved. THe document referred to my student loan payment that was in forebearance due to a federal legislative act. She took issue with the document disclosing an " estimated '' payment instead of actual payment after forebearance. Because it said estimated and not the actual payment, she inputed a payment that is 4-5 times the estimated payment. This imputation that clearly at odds with evidence and what is reasonable, took me out of appropriate DtI which is now the bases for denial. I believe, and have said multiple times that I am being discriminated against in this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I needed deleted are listed in the report. 
I am a victim of identity theft and did nit make the change. I ask that the items be deleted to correct my credit report I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan transferred from XXXX XXXX to LoanCare on XX/XX/21. I have been calling everyday from XXXX until this morning XX/XX/21 to order a payoff statement. I have been told I would receive it on the XXXX, then when that didn't happen I reached out many times and was told by at least 3 representatives that I would have it on XX/XX/21. I was on the hold to speak to a supervisor for 3 HOURS. Then was disconnected. This happened twice where I was put on hold and then was disconnected. They can see the order in the system but keep telling me it is still in the boarding process. Now they are telling me that they don't have any idea of when they will provide me with the payoff.

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 2021-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am requesting proof that I am indeed the party that the US DEPT OF ED/XXXX are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: NY

Complaint narrative:
I was reviewing my TransUnion report and noticed that multiple phone numbers were incorrect, a nickname was listed for me with a different last name, and the name of my current employer is incorrect. 

My current Employers name is spelled wrong and they are still listing my first job from 7 years ago as my employment. 

In addition, in XX/XX/XXXX, my identity was stolen. My social security number, name, and debit card were used by XXXX XXXX to open an account for someone. One of the phone numbers with the ( XX/XX/XXXX ) area code are listed as being my phone number. 

That is incorrect and despite reporting this to TransUnion, they have evidence confirming this is a phone number of mine. That is simply not the case. I have had the same phone number for 15 years. 

I would really my phone number and employer information corrected. I would also like my nickname to be removed because it is incorrect. 

I am happy to provide any evidence.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/2021 I got an email saying my account close and I been with this bank for years. They close my account with XXXX dollars for no reason. They couldn't even give me a reason. I call and was told they was going send me a check in the mail within 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Financial Data Systems
State: SC

Complaint narrative:
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the three bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation

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 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I never received notice from this company money was due or that I could dispute this and they listed two on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: DE

Complaint narrative:
I signed up to use Square ON XX/XX/2021 and FULLY disclosed what I would be using square for. About two weeks after I received transactions selling my digital products and digital webinar, My account was closed with no further information other than I violated terms of service. My account should not have initially been approved if the company did not agree with what I was selling. 

I have not been successful in trying to reach the company and have not received any responses to my emails. I also have funds in the account that were to be transferred to my bank and those funds were never transferred as well as my account being shut down. The company has sent ONE email with very little information and I was advised that funds will be held for 120 days, I may or may not receive the funds after that time.

**PLEASE NOTE : I have had NO chargebacks and no refunds. My customers are highly satisfied. This company has made kept my money during a pandemic and made it impossible to get any customer service to fix this issue. I am self employed after covid and have XXXX small children. This is devastating to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: UT

Complaint narrative:
I turned XXXX in XXXX of 2020. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX  years old. I submitted my birth certificate and drivers license to Equifax and XXXX and they refuse to investigate and remove the items from my credit report. What Equifax and XXXX  is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a XXXX. I received a solicitation from Chase Bank to apply for their business ink card. I was tantalized by a promotion in which spending {$7500.00} will result in a reward redeemable for {$750.00}. 

I don't have a separate business entity - the income gets taxed with my personal income. 

I clarified my position with the bank before applying. 

I apply and receive an email asking me to provide documents that verify my place of business and tax status ( else the application will be denied ). I call back and clarify that I can use a driver 's license. social security card. 

They send me another email saying that what I sent was illegible and/or invalid. 

I call to clarify. They tell me that since I put as the business name " <my name> - XXXX '', I need to provide documents that include " -XXXX  ''. If I don't the application will be denied. As a small XXXX without an official business name, I do not have these. The refused to allow me to amend my application and advised me that if I apply again within 30 days, I will be denied again because my new application would defer to my old one. They refused to allow me to rescind my application. This policy harms my ability to acquire credit because number of credit application and number of credit denials go on credit reports. 

My application reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: UT

Complaint narrative:
I turned XXXX in XXXX of XXXX. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX years old. I submitted my birth certificate and drivers license to XXXX and TransUnion and they refuse to investigate and remove the items from my credit report. What XXXX and TransUnion is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to XXXX and TransUnion.

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 2021-03-12 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: SC

Complaint narrative:
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation

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 2021-03-12 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: SC

Complaint narrative:
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX XXXX XXXX either has not yet reported that we has paid a settlement or the credit burrows have not yet received the information. The management company for them is XXXX XXXX XXXX, I have a cashiers check receipt through XXXX XXXX XXXXXXXX for {$1000.00}. The check # is XXXX the date is XX/XX/21 @ XXXX XXXX I dropped it off to the XXXX that afternoon about XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
( Capital one ) my card is in fraud I put it there, I was worng. There was no fraud. Tried to get it out, would not let me unless I sent driver 's license to them, I gave them my social security number. That wasn't enough. I asked if I could pay down balance, they let me. I got it down {$2.00} and said no more payment. I had information on my phone. My phone was destroyed. That information is gone. I received an email saying I owed {$64.00} I paid money! They said it posted, I was unable to get on line because they didn't recognize phone number. I told them have new number. Didn't believe me. I wrote to company serveral times asked for paper statements no response. I sent registered mailXX/XX/XXXX21. They received itXX/XX/XXXX-21 didn't send receipt back. I sent to fraud Dept. General Dept. Mailing payment NC asked for statement the except my payment it shows on my bank statement. I sent another {$50.00} for XXXX XXXX XXXX they sent email told me money was accepted but refuse to let me on line to see statement. The account is frozen so how is money being charged to account? I want to close it they are sending me offer for new card. I will Never get anything from them. Thank you XXXX I don't have a home computer! I want to stop this abuse.

Company response to consumer: Closed with explanation