vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
1. Home depot merchandise was not properly delivered to the correct address at the time and place specified as required, nor was that merchandise in a proper condition ; as a result I as buyer incurred additional expenses costs and labor.

2. Credit ( Citi Financial and merchant Home Depot failed to resolve the buyers disputes and grievances related to all charges credit interest etc of the account involved by clear concise means as their accounting was convoluted, improper, redundant unclear unverifiable, and prone to error. 
3. Merchant Home Depot erroneously claimed the buyer customer signed a receipt for building material 4. Said construction materials were dropped off by curbside delivery in front of someone else 's property ( not buyers ) without any documentation attached. 
4. In a period ( XX/XX/2020 to present XX/XX/2020 ) Merchant failed to return to that merchandise 's location to verify proper delivery of said merchandise nor to properly move it to the correct location nor check its condition. 
5. Merchant Home Depot and its agent Citi Financial Credit Services consorted in collusion to  Company confound aggravate obstruct and harassed the buyer seeking resolution of these and other issues over a period of time from XX/XX/2020 to XX/XX/2020. 
5. Citi Financial Services and Home Depot act in tandem as conspirators and agents not as independent parties and said parties intrinsically do not act as responsible parties that objectively respond to customer complaints as they act to cheat customers by charging them and not resolving their issues wit the merchant.

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 2020-03-21 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: CL Holdings LLC
State: LA

Complaint narrative:
I retrieved a copy of my credit report and found a new collection account listed. Jeff Cap Sys hasn't contacted me via email nor mail to inform of this new account which is a violation of the fdcpa law. Also, they are reporting a monthly obligation of XXXX on a collection account with a balance of XXXX which I have never spoken with this company to agree to any type of monthly obligation. I've requested Jeff Cap Sys to validate this file showing I owe the amount they're reporting to my credit every month but I haven't received a response. I don't owe this debt and this company is intentionally breaking the law by reporting a monthly obligation for a collection account. I'm needing assistance with holding this collection agency accountable for breaking several consumer reporting laws. You can not report a collection as an open account with a monthly obligation and you guys won't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Due to the fact I cant work and my husbands job has been impacted, I fell two payments behind. I have been working with Nissan every step of the way to get this resolved. Ive made numerous calls to Nissan. I spoke with one of the service representatives and we came to the agreement that I would need to submit a payment through the online system on XX/XX/XXXX. Then call Nissan on XX/XX/XXXX to continue to work on the second late payment. I was told the account would be documented but I still might receive a phone call every few days. Instead I am receiving several calls daily. Some that arent even an hour apart. I set the payment up online yesterday as I said I would. This morning yet again I received three calls not even an hour apart. Thats just before I filed this complaint. I am sure there will be more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Lending Club Corp
State: TN

Complaint narrative:
Lending Club made unauthorized credit inquiry. I did not input my social security number but received email from XXXX with my current score and account information. 

Lending Club ADD BELOW See Your New Rate Hi XXXX, We're giving you this opportunity to pay down high interest credit cards, fund a home improvement project, or make a major purchase. 

Lending club email request to inquire about the loan interest rate. I didn't input my social security number into the system nor did I approve the credit pull. I received notice from TXXXX with my personal credit score and account information. Please remove the inquiry from all credit reports. 

Below is the information provided by Lending Club to prompt the inquiry. 
With a personal loan through LendingClub, you can borrow up to {$40000.00} to meet almost any financial goal. Loans through LendingClub feature : A fast application and deposit to your account Flexible loan amounts and terms Low, fixed monthly payments No penalties for early repayments It takes less than 2 minutes to check your rate online, with no impact to your credit score. * Click below to get started!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: FL

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2020, I called PHH Mortgage Corporation from the number posted on their website to postpone my mortgage payment for a few months because my husband and I are affected by the Coronavirus ( Covid19 ) lockdown in XXXX XXXX, California. My mortgage payment is current and our payments have been on time every month for over ten years. 

The representative ( XXXX ) who answered the phone stated that she could " freeze '' our mortgage payments for three months ; however, on XX/XX/2020, we will have to pay {$14000.00}. Our regular monthly payment is {$3600.00}. 

I asked the representative if there were any other solutions, and the representative said, " No. '' She didn't even ask for any financial information about our current situation. I told the representative I decline, and I did not freeze my mortgage account. 

This one solution obviously defeats the purpose of natural disaster relief during the crisis affecting the country right now. My husband who is self-employed can not work because of the " Safe at Home '' lockdown right now. 

Is there any way you can help or encourage PHH Mortgage Corporation to come up with a solution that makes sense  during this crisis? It obviously doesn't make financial sense to put our mortgage into possible foreclosure in XXXX by freezing our account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a Wells Fargo account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from XXXX XXXX XXXX. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to wells forgo. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that Wells Fargo need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on the fraud that Wells Fargo committed on my paperwork. XXXX 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 2020-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit reports and not accurate and they are taking out points instead of giving me points on my paid credit cards balance. The credit report shows different balance and recently they took 27 points away from me because base in the information you provided was negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Blue Global Media, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As we deal with this pandemic, and money is tight, I was attempting to use my card, Care Credit from Synchrony Bank, only to find out my account was closed. I have no outstanding balance and never missed a payment. They just randomly closed the account on XX/XX/2020. My concern is that this was a calculated plan to ensure people do not use their card during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 & XX/XX/20 I sent Formal Complaints/Letters To Equifax Information Services. The Letters Notified The Company that They Are Reporting Inaccurate Credit Information To My Credit Report And Asking Them To investigate and Or Verify The Inaccuracies. It Is now XX/XX/20 And The Company Has Failed To Respond With Investigation Updates Or Anything For that matter. They are not Holding Up To the Law. They are Reporting inaccurate information. & They Have Also Failed To give me Updates within 30 Days of The Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  reported late payments on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 

This account has been paid in full.

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 2020-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase with payments for a reservation made on XX/XX/XXXX using my Chase debit card as Visa Credit. There were a total of 7 payments. The business I made the  purchase payments too canceled on their behalf and have not refunded any of my money. I am not receiving the service and they are not refunding ... so some kind of fraud/stealing money is taking place. I have tried to contact the business and all phone numbers and emails have been canceled. 

Chase filed a dispute but said they would only dispute 60 days from the first payment. I used my card as Visa Credit, Visa has a 100 % fraud guarantee ... if you dont receive a service  you paid for you can dispute it and get a refund, they will look into the dispute. As of now I am only receiving about half back because of a 60 day rule. Visa does not have that rule and Chase bank should be following Visa if Im using a Visa card as Credit. 

The dates Im still disputing are : All charges from XXXX   XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$540.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OR

Complaint narrative:
I have been contacting FedLoan since they assumed my loans without my permission inXX/XX/XXXX. I have asked them for the following and since I was a enrolled in paperless billing I was under the assumption they would keep all old statements online including promissory notes and number of PSLF payments counted each month. I have requested the following from them to no avail. 

Promissory notes as the amount I borrowed does not match their amount. 
All billing statements from XX/XX/XXXX-Present A formal review and a complete itemized list of PSLF payments since XX/XX/XXXX when the now defunct XXXX XXXX had me eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Cant get through. For those that have gotten through all they are offering is 3 months no payment then all due in 3 months. Unacceptable Im Being punished for having good credit and never missing a payment since all XXXX and XXXX loans are getting modifications. There is no reason they cant add the 2 payments to the life of my loan at the end or take my escrow out to make payment affordable since my state is extending tax bills.

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 2020-03-21 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: CORELOGIC INC
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
You guys need to close down Loancare servicing. Even with the coronavirus, they are not helping anyone out. I cant get ahold of anyone and there website is making fill out an application that is longer than buying a home for the first time. PEOPLE need something now where they can suspend there mortgage till we are done with the coronavirus. It should be easy, just look at the zip code and you can see who is affected by this and cut them a break. Loancare does not help with ANYTHING. The faster you look into them, the fast you will see how bad they are.

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 2020-03-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-03-21 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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