vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Starting in approx XXXX/XXXX  XXXX, my tenant occupied condo property that I own and is located at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NJ XXXX was put on a forbearance plan with XXXX  / Loancare mortgage company due to my tenants nonpayment of rent. To date, the tenant owes me over {$300000.00} in 1 ) missing rent, 2 ) property damage to the unit including theft of property and vandalism, and 3 ) other damage as a result of tenants breach of lease agreement. 

I have timely requested forbearance extensions for each phase and until now I have been granted these extensions. Ive spoken to XXXX / Loancare multiple times over the past several weeks in XXXX/XXXX  as my current forbearance was coming to an end and I am in need of an additional extension as the tenant continues to occupy my property without payment, and the NJ XXXX County courts have continued to allow tenant to do so without enforcing an eviction and order of removal I was awarded against the tenant.

I need 1 ) for my mortgage to remain on forbearance and 2 ) to have my mortgage amount reduced given the financial losses Ive been forced to suffer due to Covid and the extended eviction moratorium that has, and continues to, allow my unruly tenants to destroy the value of my property.

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 2021-08-04 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-04 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: PR

Complaint narrative:
I received a notification or alert to my credit report of an unauthorized inquiry or " hard inquiry '' that was carried out at a car dealership : XXXX XXXX, located on XXXX XXXX XXXX. This action appears in TransUnion, which by the way, in a telephone conversation told me that a letter from the same dealer was necessary stating that I had not made that transaction. I tried unsuccessfully for them to provide me with this document, but at all times it was unsuccessful. 

TransUnion also indicated to me that if the establishment refused or for any reason did not provide the document, I would have to contact the Department of Consumer Affairs or the Federal Trade Agency to initiate a process. It is alarming and worrying that entities lend themselves either by omission, mistake or for any other reason to damage the credit of a XXXX XXXX consumer such as mine.

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 2021-08-04 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: MI

Complaint narrative:
I submitted court documentation signed by a judge in the state of Michigan for over 2 years now. I have submitted disputes for over 2 years however, the information is never properly updated nor is it removed. 

The legal court document states that the company requested a dismissal in a judgement against me and the courts granted the dismissal. However, the account information is still being negatively reported on my account when I do not owe any money to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: FL

Complaint narrative:
I noticed fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 noticed fraudulent accounts on 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 2021-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is already an open case with Equifax due to Fraudulent Inquiries on my credit report, now there are new inquiries on my credit report that they don't want to remove. This is the only company that always its a problem with them to fix something on your credit report. I WANT THE INRIRIES THAT ARE NOT MINE REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
On XXXX of 2021, my current Mastercard who Blackhawk XXXX now monitors expired. This is a " Funds do not Expire '' card, printed on the front of the card. No replacement card was sent and I was advised when I called their customer assistance that a new card would be reviewed? I have {$4000.00} of funds that they are trying to steal from me by not issuing a new card or sending me a check for that amount if they do not want to do the card. 

I have sent multiple messages via email to Blackhawk, case XXXX ( send XX/XX/XXXX ) and no response or update in two weeks. A XXXX  case was also opened on XX/XX/2021. They have no right to my money that was on this card and account and again, need to immediately send a new card with those funds intact to use or send a check for that amount to me. 

Please advise what actions can be taken so this situation is resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Edmonds & Logue PC
State: CO

Complaint narrative:
on XX/XX/21 I was notified by my bank that my account was at a XXXX balance. When I logged in to see what was going on all of my money had been put on hold XXXX dollars and some change. I called my bank and they informed me that they received a legal court order to hold my money for a debt. The bank provided me with the information on who to call giving me a number of XXXX I called and spoke to a woman I believe her name was XXXX and she informed me that I had been served and that they had mailed me letters she then told me the address they had on file and it was correct as well as my correct phone number. I told her that since she had all my correct info why was no attempt made to collect this debt using those means and her response was no reason only that I had been served. I then asked if it was signed for and she said no I said so you are taking the word of some one that has no proof of the job they claim to have done. She then asked me if I would like to set up a payment plan. I am still in shock as I honestly did not even know I had the debt. I would attach documents if I had any to attach as I have not received any information in regards to this debt I have no info to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
From XXXX XX/XX/2021 Money being paid from my checking to XXXX  XXXX  for a game online, I ne ver authorized.

I didn't realize I was being charged d Rite away and ow I have thoughsands missing and being denied my money back. I've had disputes but no luck when trying ow my account is negative and I'm afraid to use it due to these charges I need help im not good with all these online programs and want someone to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I went through financial hardship and I applied for home modification through Bank of America. They deferred {$25000.00} ( put it as a lien ) my mortgage balance went down by that amount and they increased my mortgage pay off from 30 years to 34 years. I bought the house back in XX/XX/XXXX. I had a one year signed agreement with the bank as a protection plan to pay my mortgage for 1 year if I was not able to. When that modification was done they added {$30000.00} to the lien amount of XXXX as a payment reversal. I have the bank statement from that period and the numbers seems way off. I will appreciate if someone can take a look into it. I am trying to refinance and everything is on hold because of that. The best phone number to reach me is XXXX. My old mortgage number XXXX with BOA. They sold my mortgage to XXXX XXXX  on XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I have tried to contact debt collector, the phone number doesnt working its a recording, I am not able to speak to a live representative to inquire about this unknown debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: VT

Complaint narrative:
I got this loan back on XX/XX/XXXX I have had nothing but problems I only missed one payment but I got caught up it's been since covid-19 had back in XXXX well I ended up losing my job due to covid I kept telling them and missed payments everything I kept in contact with them they were very rude they would call my phone 24/7 non-stop from XXXX XXXX to XXXXXXXX XXXX seven days a week never stop leaving voicemails everything well a month ago I paid the car off which is fine but the point is is the harassment and the late fees and then disabling my starter so I couldn't get anywhere to get money to pay my car it was just I need to know I need to let people know what kind of company this is there are harassing company they are very rude they had no remorse or anything with it for what they had done well I'm a credit report now it's a set of clothes and don't say that I paid it off in full couldn't put nothing positive on my credit report damn all the days I was late on there so yeah it's making me look bad due to covid-19 making a very bad hardship on 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 2021-08-04 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: FL

Complaint narrative:
In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.

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 2021-08-04 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: FL

Complaint narrative:
In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I pay it off so now I dont own nothing

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Recently I have applied for a mortgage and the mortgage company addressed an Alert in my credit report regarding my Social Security Number. The mortgage company mistakenly considered the Alert as a fraud and requested an SSA form. I believe Equifax report is against the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as I was a student and was not eligible to apply for a SSN. After graduation, I started my OPT and I have applied for SSN. My SSN has been issued on XX/XX/2015. Therefore, Equifax put a wrong Alert in my credit report without providing enough information regarding my visa status in the US. I would like to remove or correct the alert immediately as the alert hurt my dignity. I am a permanent resident of the United States and received my XXXX XXXX from the XXXX. Equifax should not have this much power under the US flag to put a wrong alert and hurt peoples dignity irresponsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I received a two letters in the mail from NRS ( NATIONWIDE RECOVERY SERVICE ) around XX/XX/2021. One letter states I owe them {$450.00} and the 2nd letter states I owe them {$510.00} I've never heard of NRS ( NATIONWIDE RECOVERY SERVICE ) and don't even know how they got my information. I responded by mail on XX/XX/2021, in which I have the returned receipts from the Postal Service showing they received and accepted one of letters on XX/XX/2021 and the other one was received and accepted on XX/XX/2021. According to law 15 USC 1692g ( b ) as a Consumer I requested that they Validate this debt they claim I owe. It's been over 30 days and still haven't received any proof from NRS ( NATIONWIDE RECOVER SERVICE ) showing no Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX  in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a personal loan with PENFED CREDIT UNION and i was declined for reason that are not true, several of my colleges in sale and bank institution told me there's no reason to be declined i have XXXX credit score XXXX  credit history, 1 % credit card used house pay-offf, XXXX  vehicles pay off in history,,, no debt what so ever i have history of payment on personal loan it makes no sense to be declined ... 
there are discriminations that's what that is there's no reason to be declined i im going to take this to this all the way this is not legal

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
WesBanco initiated a system upgrade XXXX XXXX XXXX to their online and mobile banking. As of today XXXX at XXXX XXXX. I am still unable to log into any of my accounts. I have called 5 times, sat on hold for more than 3 hours total, was told once that it was resolved and it still isn't. I have been disconnected 4 times, routed into the wrong phone menu because of an IVR menu problem 3 times. I still have no access to personal or business accounts. Nor will anyone answer the phone at the local branch so that I can even make an appointment to go in and withdraw funds to close my accounts. They're basically holding my money hostage. When I try to set up my log in, none of the phone numbers listed for the security code to be sent to me match any number I've ever been associated with, which makes me very concerned about my account security. They've issued almost no communication to customers about technical issues, and the one statement they did issue to the media basically blames customers for the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a response from Wells Fargo dated XX/XX/2021, attached hereto. Wells Fargo has failed to answer each of the Facts stated in Affidavit of Truth they received on XX/XX/2021. Wells Fargo failed to pay the Invoice previously sent to compensate me for violations. Wells Fargo has failed to comply with Cease and Desist previously sent which requires Wells Fargo from cease and desisting all forms of communication with me through any and all mediums. Which includes reporting this account to my consumer reports. A consumer report is in fact a medium. Which means it's a communication. So to fulfill the demand of cease and desist, a deletion of the account is required. By Wells Fargo reporting anything, it is a indirect communication.

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