vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I am a veteran of the United States XXXX and have a mortgage with Home Point financial that is backed by the VA. I now work in the XXXX industry in Florida as a XXXX. When the shut down happened my industry and my job were furloughed. As a result I had no income for 2 months and am just now getting back to work at limited capacity which has negatively affected my income. I heard about the forbearance under the CARES act and contacted my lender on XX/XX/2020 to ask for the assistance. I spoke to XXXX XXXX and was advised that I did not qualify because I was already in foreclosure due to my divorce. I was told I would have to submit a loan modification package for review. I explained I have no income and do not know when it will return. I was told to send the package. On XX/XX/2020 I read this clause in the CARES act : The CARES Act directs that servicers of Federally backed mortgage loans grant the forbearance upon a borrowers affirmation of hardship caused by COVID-19 without additional documentation, fees, penalties or interest for up to 180 days. This initial period may be extended for another 180 days upon the borrowers request. The grant of forbearance is not discretionary. 
I then explained that I did not have to submit additional documentation and they did not have discretion to reject me. XXXX ID XXXX refused and said I would have to apply for a modification. I then came here for help as I feel my lender is not being fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I Had my work checked set up to be deposited into my cash app and its say it has been deposited but its not becoming available when I tried to contract through XXXX they blocked all comments from being posted and when I called the customer service they said they have no representatives and I would just have to wait for an email I never received my check was {$860.00} from XXXX and its has just been taken away from me by Cash app this happened on Wednesday, XXXX, XXXX, 2020 and I still havent even been reached out too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-05-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-05-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX  XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 around XXXX  I called Equifax twice to stop receiving unwanted promotional emails, which I started receiving after I had to unfreeze my account to get approval for a car loan. There was no unsubscribe link. I emailed customer care at bottom of email and received a generic response. The 1st call gave me a recording that wanted me to enter my entire SSN! I hung up. I am suing them from the data breach and did not want to give this info due to security. I called to get an actual person and spoke to a woman who wanted me to give my Name, Address, DOB, SSN just to access my credit file supposedly to see which emails I was receiving. I said no. Asked for manager. Manager XXXX then proceeded to tell me he needed the information as well in order to stop the emails. I said I was willing to email him from the email address to confirm I was the owner of the email address to be told that is not how they do things. I was given no resolution and only when asked did I receive a physical address for XXXX, GA XXXX XXXX XXXX XXXX zip XXXX is to send a complaint. I have not tried this. I also do not trust the company after the phone call and data breach to do anything about it. I also question whether this company has learned anything after the data breach as it appears not. It shouldnt require all that info just to stop unwanted emails. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CO

Complaint narrative:
In the process of trying to purchase a home. When I received my credit report there are several accounts which are not mine. I've gotten help to get these things removed, in addition to paying for services that have not removed the listed accounts. 

I'll provide details in my attachments.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

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 2020-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having issues updating and correcting personal information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: NC

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$1800.00}

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 2020-05-21 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: NC

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX  XXXX {$1800.00}

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax letting them know there is a remark on my credit report that is coming from them that only shows on my FICO score report. They were unable to help remove even with providing the information to them. I asked for a supervisor to resolve my issue and XXXX disconnected my call after telling me I couldn't speak to a supervisor. XXXX  and XXXX  doesn't show this remark and when pulling from XXXX the report is not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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:
I submitted a dispute letter to Experian asking them to verify a debt that is showing up on my credit report. In my dispute letter, I explained and provided documentation showing that the balance for XXXX XXXX is not correct. I settled with this creditor for a lesser amount but they are stilling reporting the original balance. Experian did not do a through investigation to verify the corrected amount owed on this debt. I have proof were XXXX XXXX agreed to settle the debt for a lesser amount and I have been making payments. It is being reported that XXXX, XXXX is the original creditor, that is also incorrect. XXXX was the original creditor, who sold my loan to XXXX XXXX. XXXX XXXX is reporting that 0 % has been paid, that is also not true.

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 2020-05-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.

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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have almost {$6000.00} on my cash apo card I have deposits made and I sold a car and the person sent payment via cash app now my card will not work my money is stuck on my card and nobody will respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CT

Complaint narrative:
I began a financing plan on XX/XX/2020 with American First Finance. The total cash price was {$2700.00}. I was told at the time of signing that they would take bi-weekly payments to pay this off. To date, they have taken a little over {$1000.00} from my bank account on auto-pay. I called today because I noticed the pay off balance jumped up to {$2200.00}. That couldn't be right since I only should about {$1700.00}. Apparently, because I did not pay off the balance within 101 days, I did not make the early pay off date ( XX/XX/2020 ) and therefore they charged an exorbitant amount of fees- which only increase daily. 

I was told at the time that I was signing up that they would take the correct amount out of my bank account to pay off the balance in three months. Apparently, they default to taking the 'minimum amount ' so you don't pay it off in time and it is your responsibility to override that monthly by paying more so it is paid off in time. There is nowhere on the contract to indicate you would like to override the default to have it paid off by the 101 days- as I indicated at the time of purchase and was under the impression was in effect. 

The {$2700.00} is the cash price. If I were to have contacted them on XX/XX/2020 then I could have paid off the loan at XXXX- XXXX = XXXX. However, since it is past the 101 days, if I wanted to pay it all off it is now the cash price - 0.5* ( what I have already paid ). Meaning, if I were to pay it off today I would owe : {$2700.00} - XXXX = {$2200.00}. That is {$500.00} interest for 16 days. The maximum legal interest is 12 % in my state. What is potentially illegal about this is that they categorize the agreement as a 'rent to own ' agreement, but report the balance to the credit bureaus a loan. Thus, if it is a loan, they should be subject to state usury laws. 

They also report the loan to the credit bureaus inaccurately- stating I have paid {$2800.00} of a {$5800.00} dollar loan. This {$5800.00} number comes from the cost of rental ( {$3800.00} ) + ( {$2700.00} ) cash value ... I have no idea where that {$2800.00} number comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
I'm having issues updating and correcting personal information 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 2020-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having issues updating and correcting personal information 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 2020-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Early in the year, I changed jobs. As part of that change, my employer-provided XXXX serviced by XXXX under the brand " XXXX '', notified me in a letter on XXXX XXXX that, although the account would remain open, I would now be assessed a ludicrous {$5.00} per month, plus additional charges if I elect to receive paper statements in the mail. 

This seemed excessive, but the real kick came when I found a new XXXX provider, and went to close my XXXX account. They charge a {$25.00} fee to close the account, as well! 

This account was forced upon me by my previous employer, but now I am responsible for the costs it will take to dispose of it? That seems unfair, the costs seem high.

Company response to consumer: Closed with explanation