vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My card wallet was stolen and had personal account information in it somebody took that information and tried to XXXX for a loan with it and also went to XXXX  and bought gift cards with my money then logged in to my navy federal and filed a fraud claim causing navy federal to withdraw money from my account and I did not approve any of this. Later the police found my wallet and my paper with my personal information was gone I filed a claim with navy federal twice and was denied both 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 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Attention : XXXX XXXX Re : XXXX XXXX XXXX Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the Capital One statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts.

As a result, I have filed a police report. See attached.

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the Capital One bill showing an address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied to a car dealership ( XXXX XXXX, XXXX, Georgia ), last summer that claims it will not hard pull credit in considering the loan application ... .. " Will not impact your credit score! ". Their website says that even to this day. However after my looking into my credit bureau reports, lo and behold, they hard pulled FOUR inquiries into my Experian credit file by way of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. All 4 inquiries impacts a credit score. I did NOT give them express permission to hard pull my credit at ANY time. They fraudulently, and deceptively, misrepresented themselves. If they advertise that they will not affect your credit by taking an application, and then they do, that is false advertising and damaging. It is an act of fraud.

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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
caliber home loan is erroneously reporting 3x30 late on my current mortgage account. All payments were made on time, BUT caliber misapplied payments, and added property insurance WITHOUT my knowledge when I ALREADY HAD EOI, then charged me for the 2nd policy WITHOUT my authorization and MISSAPPLIED my mortgage payment toward the 2nd UNNESESARY HOME OWNERS POLICY and reported late pay for this account ... please help resolve this injustice!

ALSO, THE LETTER I SENT TO THE ADDRESS THEY REPORTED TO C.R.A CAME BACK UNDELIVERABLE ... THIS IS A F.C.R.A. VIOLATION ....

CALIBER HOME LOANS , INC . 
Account number XXXX .... 
Recent balance {$580000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$3200.00} past due as of XX/XX/XXXX. 

* Caliber assessed lender placed insurance on my loan because my insurance company did not provide proof of coverage. I was unaware of this. 

* A Caliber rep advised me NOT TO PAY the XXXX payment until it got sorted out and the amount was corrected. 

* I paid the XXXX payment on XX/XX/XXXX ( the amount was still incorrect ; I was worried about going too long without payment ). 

* I paid the XXXX payment on XX/XX/XXXX by phone. The Caliber rep apparently mis-entered the account number. After getting confirmation of payment, I found out a week later that the payment did not actually go through. 

* I paid the XXXX payment AGAIN on XX/XX/XXXX. 

* Checking the account online daily, it still showed I had over $ 6K in  late payments, which was fully incorrect. 

* On XX/XX/XXXX, a Caliber rep told me I needed to " get my account current '' and then escrow would be removed and they would get it sorted out with the credit bureaus. 

* When I spoke to the same rep earlier this week he said he " couldn't explain it '' but " there was nothing they could do. '' AAARRRRGGHHHHHH!!! 

Meanwhile, my credit score dropped 80 POINTS IN ONE MONTH. I have spent hours on the phone trying to get help with this mess, sent a letter of dispute, emails, etc. This has been a nightmare! I have lost sleep due to XXXX over the last 3 months I've been trying to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Company   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-07-30 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: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
i tried to sign on to my account and it wouldnt let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Ive replied to their notices and explained this debt is not mine and i do not have account with convergent or lvnv. the constant letters are now considered harassment.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to connect my PNC checking account with XXXX to make my rent payments. The app, XXXX, says that PNC has made a change to my account that prohibits me from linking my bank account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Ive replied to their notices and explained this debt is not mine and i do not have account with XXXX  or lvnv. the constant letters are now considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted ( USPS # XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX 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 2020-07-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted ( USPS # XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
THE NAME ON THE EQUIFAX REPORT IS NOT CORRECT. THE NAME LISTED XXXX XXXX NEEDS TO BE CHANGED TO XXXX XXXX. PLEASE UPDATE MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I have been struggling to pay my mortgage during the COVID crisis. I applied for, and was approved for, a forbearance plan. Despite this, the lender sends me emails stating that my mortgage is in default and states they will attempt foreclosure proceedings. Also, before my mortgage was transferred to another servicing agency, the mortgage was marked as a " foreclosure '', but I was in a loan modification period ( which was accepted ) and the property never went to foreclosure. In the loan modification process, i provided background information and a report number for my identity fraud case ( that led to the the incident in question ). Despite this, the credit report still has remarks of " foreclosure '' and the servicing company will not remove the derogatory remarks that were incurred due to the fraud. The " foreclosure '' comments led to my security clearance getting held up while the Government subpoenaed the evidence from the company. Despite this, they never corrected their reporting. They send me letters saying that they need the case report number, which was provided to them during the loan modification process. This was my previous servicing company, XXXX XXXX XXXX. 

Furthermore, despite being able to catch up my loan, the lender has not updated my credit report to reflect the " current '' status, which is required by law under the CARES act. My current servicing company is RoundPoint Mortgage Servicing , Inc.

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 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NY

Complaint narrative:
XX/XX/2020 After multiple request of complete validations or any proof that i owe this bogus debt not owned by me by multiple companys in the past what was requested by me by certified mail ( have all the proof ) and NO PROOF OF ANY KIND HAS BIN PROVIDED TO ME EVER and again sold to another bottem feeder with no proof what soever trying to claim i owe this debt after 13 years. 
Do your homework and check all your files i have mine in order. 
Thers nothing out there it aint mine. 
SYNERGETIC COMMUNICATIONS, INC is in violation with the FDCPA by illegal and unfair debt practices by collecting in behave of other companys with no proof provided knowing complete validations has bin requested by me in the past. 
More complaints will be filled with the FTC and XXXX. 
A COMPLETE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : 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 2020-07-30 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: TN

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : 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 2020-07-30 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: IA

Complaint narrative:
I am in process of trying to transfer my loans to take advantage of PSLF. One of my employers from XX/XX/XXXX - XX/XX/XXXX has since dissolved, as such I am unable to obtain the Employer Certification. 

Fed Loan Servicing has advised that I need to produce either paystubs or w2s from my time of service in order to qualify for PSLF certification. I did inquire if they would accept my 1040 Tax filing or an IRS Transcript of my tax return showing the employment from that period however they will not. 

I do not have the means to produce the required documentation and am requesting support or an alternative means of certification.

Company response to consumer: Closed with explanation