vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I sent off a dispute to Transunion to correct my personal information. I put an initial fraud alert on my credit report because I was so concerned with the personal information that was on my credit report. I sent in proper identification of my legal name and a list of addresses that I only known to be associated with and Transunion failed to fix and update that information. They also failed to give me a reason of why they refused to update my personal information. I am really concerned about my credit and am currently investigating the accuracy of 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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit scores from 3 credit reporting agencies and each has shown a massive decline in my credit score for XXXX  and Equifax. My credit score was XXXX for Equifax and XXXX for XXXX  for months and no one can explained the massive drop. I have paid all accounts on time. I have continued to reduced my credit utilization, paying out two accounts out of the 3 credit cards, XXXX and XXXX XXXX accounts are paid to a XXXX  balance. I have paid my XXXX account down to {$4800.00} and though they are reporting {$5600.00} my credit score for months remained the same of XXXX and XXXX. My credit score has been XXXX and XXXX over a year or so and I have only continue to pay all of my creditors down, When I spoke to the rep at XXXX  inquring about the drop in my score and informing her that XXXX XXXX, XXXX XXXX and XXXX  are all reporting the same devreased scores. Though I informed her that all 3 organizations report the scores using VantageScore 3.0. she indicated to me that XXXX   uses VantageScore 3.0. She indicated to me to contact the organizations and inquire of them why the drop in the score. I informed her that when I inquired of XXXX XXXX, XXXX and XXXX XXXX, all 3 organizations indicated they only report what XXXX  and Equifax reports to them. The only thing that should have reflected on my credit reports was an increase, not a massive decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I was granted 100 % permanent XXXX by the VA effective date of XX/XX/XXXX, the decision was made XX/XX/XXXX and backdated. I applied for XXXX discharge of my student loans XX/XX/XXXX. I made approximately {$27000.00} in payments between XX/XX/XXXX and XX/XX/XXXX. I received a refund of only {$8800.00}. I contacted Navient and XXXX about this around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that any payments made on the loans after the date of XXXX of XX/XX/XXXX would not be refunded if the loan account was inactive when they were informed of the XXXX on XX/XX/XXXX. Therefore, I was told of the {$27000.00} in payments I made after my XXXX date of XX/XX/XXXX, I would only be eligible for a refund of {$8800.00}. Title 34, Section 674.61 ( C ) ( 3 ) ( iii ) states any payment made after the XXXX date will be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  says my credit score is unavailable, however, they did let me see my report and dispute three potentially negative postings. I felt bullied into signing up for their monthly " credit monitoring '' service and now they will not cancel it despite numerous communications to do so. 
Trans Union is even worse, they won't let me see my report and demand the same scam ; " sign up '' for our program or no dice. 
I haven't even bothered with XXXX  given their recent issues with being hacked and just expect the same treatment from them. 
If these behaviors by these companies is legal it is just barely so. 
It is ethically and morally offensive. 
Consumers are tired of being scammed!

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 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: KY

Complaint narrative:
I have asked for validation of this alleged debt many times. This was attached to my credit report in 2017. I have disputed this matter many times and have not gotten a response. I now see the status of this alleged debt is : " Dispute resolved by grantor. '' I never got any response in the mail regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/2020, I reached out to 24/7 advance financial to advise that I was currently furloughed from my employer due to COVID, I advised them that because I was furloughed and not laid off, I was not able to obtain unemployment. I also revoked all auto debits from my account and made a small good faith payment. I advised the agent that I was speaking with that I would not be back to work until XXXX at the earliest, but, I had not been given a date as of yet. On XXXX, I received notification from my bank that there was a debit of {$200.00} and because I have overdraft assistance it was paid. I did not authorize any payments from my account and the agent said that I agreed to a promise to pay that I did not agree too so they could not refund me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
I called Caliber Home Loans on XX/XX/XXXX about the payments that was made for the month of XX/XX/XXXX. I attempted to make my mortgage payment to Caliber Home loans on XX/XX/XXXX and on XX/XX/XXXX for XXXX 's payment. I've been with Caliber Home Loans for the last 5 years and make payments the same way each time. My payment accounts are saved in Caliber 's payment portal and when I login, I choose which account to draw the money from. Both times, Caliber kicked my payments out and charged me {$15.00} each time for making payments. The rep XXXX, Employee ID XXXX, stated the banking information is wrong in the system and insisted I double check the banking information. I explained to XXXX that the banking information in Caliber 's system hasn't changed since I've been with Caliber and requested him look into this. After 30 mins on hold, he stated there is nothing he can do for me and the fees will be charged because the banking information is wrong. Caliber Home Loans is wrong in lying about my banking information being wrong and charging me those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  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 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have a XXXX 's credit card which is through Wells Fargo and can be used at other places. I let my husband purchase something online with my card as i was right beside him. He was logged in on his account and made purchases. When I received my bill, I asked him for a list of those charges to reconcile against the statement. When he went into his account to look at the orders, he saw all my past purchases including many that he shouldn't have. I immediately called the credit card company and they filed a report which is Case # XXXX. I asked that it be immediately fixed or shut off so he couldn't view anything. I have not heard anything back from them and would like the issue to be escalated. Luckily it was just my husband who saw the information that I am aware of but I don't know that for sure. I am the only authorized user on the card along with almost every other account I own. My finances are my own and I don't appreciate that they not only let him view everything but then haven't not fixed it.

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am complaining about some actions that Credit Colleciton Services has committed against my rights as a consumer. 

Account information is the following : CREDIT COLLECTION SERVICES XXXX, original creditor : XXXX, Original Balance {$120.00}. 

This company is reporting inconsistences on credit reports, violations for misreporting and reporting wrong open date. 

I am demanding this item to be removed from my report, and a deletion letter for my records, or I wont hesitate taking this case to the next step. I am already getting legal advise on this case. The legal advise spent is one of many damages that I have suffered due to this issue. 

Please send the attachment to Credit Collect Services. 

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: Lendmark Financial Services
State: AL

Complaint narrative:
I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
https : XXXX Husband thought the eip debit card was a scam so cut it up. Have seen information that it may have been legitimate. " Money Network '' company? Below is on their page : " Go to Money Network home page Lost or Stolen? 
XXXX Go to Money Network home page HomeFAQsATM LocatorContact Us Login Start using your EIP Card Your Economic Impact Payment Card contains the money you are receiving as a result of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). The EIP Card is sponsored by the Treasury Departments Bureau of the Fiscal Service as part of the US Debit Card Program. Now that youve received your Card, heres how to activate and start using it. 

SafeConvenientSecure economic impact payments card '' Another site says, " If you do throw the card away, you can get a replacement by calling customer service at XXXX XXXX XXXX XXXX XXXX, according to XXXX, which provides information on how to use the cards. While the cardholder agreement says it costs {$0.00} to replace the card the first time, there is a {$17.00} charge for priority shipping of the new card. '' That'd be great if the phone number actually got you to customer service or a real person. The phone options do not allow you to get farther than it wanting you to input the card number - you know, the number on the card you destroyed ...?? Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX I emailed my mortgage officer that I need to know if we are being denied for a mortgage, and if so I need a denial letter that day because our financing contingency ended on the XXXX of XXXX. After repeated telephone calls to Navy Federal and my mortgage officer I have yet to receive this letter. I am at jeopardy of losing my earnest money deposit on their behalf. I gave ample notice, I have written messages to Navy Federal, I have sent emails, I have called several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Franklin Collections Service keeps calling me and also put on my credit that I owe {$600.00} to XXXX XXXX XXXX for an appointment in XXXX, on the XXXX. I advised them that this is not my debt and its inaccurate and they still placed it on my credit and they keep reaching out to me and everytime I tell the representative that its not mine, they still say I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way

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 2020-06-03 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have disputed this account multiple times and it continues to appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We have been trying to refinance with XXXX since XX/XX/2020. We had declined a Refinance with NewRez LLC on XX/XX/20. Mortgage was sold by XXXX XXXX XXXX. ( filed BK ) to NewRez starting XX/XX/20. Numerous requests have been sent to NewRez asking for the FHA Case Number transfer and copies of the Appraisal Documents. It appears NewRez LLC has been delaying and misleading by not providing the requested information, for all practical purposes, almost malice and holding my mortgage transfer requests as ransom or punishment for not refinancing with NewRez LLC. 
XX/XX/20 XXXX Filed Complaint with Dept. of Housing & Urban Development ( HUD ) XX/XX/20 Filed Complaint with XXXX XXXX XXXX ( XXXX ) XX/XX/20 Emailed NewRez, Multiple Requests XX/XX/20 - Contacted NewRez, requesting FHA case number and appraisal documents. 
XX/XX/20 - NewRez correspondence received via USPS. 
XX/XX/20 - NewRez correspondence received via USPS. 
XX/XX/20 NewRez responds to XXXX 4th Request. 
XX/XX/20 - NewRez correspondence received via USPS, as stated above. 
XX/XX/20 - 6th email request by XXXX requesting transfer of the FHA Case number and the Appraisal Documents. 
XX/XX/20 - Personally emailed XXXX and XXXX requesting FHA Case transfer and Appraisal Documents via email @ XXXX XXXX PST. 
XX/XX/20 - 5th email request by XXXX XX/XX/20 - 4th email request by XXXX XX/XX/20 - 3rd email request by XXXX XX/XX/20 - 2nd email request by XXXX XX/XX/20 -  1st email request by XXXX requesting transfer of the FHA Case number and the Appraisal Documents. 
XX/XX/20 - NewRez Processor ( XXXX XXXX ) responded to Refinance Loan Declination via email @ XXXX EST. 
XX/XX/20 - NewRez Refinance Loan was declined via email @ XXXX XXXX   PST. 
XX/XX/20 - The NewRez Refinance Loan notification stating the Refi Loan was officially cleared to close via email @ XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way DO YOUR JOB AND DO THE RIGHT THING AND GIVE ME MY MONEY BACK SINCE YOU FAILED TO PROTECT 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 2020-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts were opened from someone stealing my identity. I have notified Experian and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. 
Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX these should be deleted as well. 
Thank you for helping me get this matter taken care of.

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 2020-06-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this account multiple times and it continues to appear 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 2020-06-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this account multiple times and it continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed this account multiple times and it continues to appear 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