vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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 have sent letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. These unverified inaccurate accounts are violating my rights Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
In XX/XX/2019, I changed the registration of my vehicle from South Carolina to Georgia. My lender, Nissan Motor Acceptance Corporation, has a policy that requires borrowers to obtain the title through a third party - XXXX. The XXXX XXXX Tax Commissioner would not allow me to obtain the title in that manner. The Tax Commissioner claims that they handle thousands of title changes and the lender always cooperates with their process. The lender will not cooperate with me, and will not even provide a response to the tax commissioner as to that fact. This lender needs to conform its policies to adhere to state and local laws regarding vehicle registration. Additionally, there needs to be resolution as to how many borrowers were able to register their cars by cooperating with the tax commissioner and how many were required to use XXXX. It can not be one way for some people and another way for other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Netspend Corporation
State: KY

Complaint narrative:
I have been locked out of my PayPal prepaid MasterCard account all my weekly pandemic unemployment goes into everyweek. It has been weeks since I've had access to my account I have bills to be paid. I have called and ordered a new card repeatedly. I have updated over the phone repeatedly my address my social security number and Everytime j call they say they have no way to verify my account but then they gave me a special reference number XXXX in order to verify because I literally called so many time and complained and once again today after 10 of card already supposed to have been sent to me express that I paid extra shipping for did not arrive I called again XXXX XXXX XXXX and even with giving them the reference number they say they can verify my account because I cant give them my most recent deposit amount because I can't get I to my online portal to see my account which is why I'm calling them and then I can't verify my account cause they are saying the info I'm giving them is I correct but it is correct cause the previous time I called they promised they corrected it and gave me that reference number to use just in case ... I have over XXXX dollars stuck in my account and I need my money and I'll be filing a police report 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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I sent my XX/XX/XXXX payment on my mortgage account to Bank Of America on XX/XX/XXXX, to account. They processed the check back to my bank on XX/XX/XXXX. They credited the payment to the wrong account. Since then, they have sent multiple letters from their collections dept telling me I owe them the payment plus late fees. I have sent them multiple copies of the canceled check, and even pointed them to the wrong account number in the processing on the stamp on the back of the check. They have also sent late payment reports to all the credit agencies. In talking with them, they say they are " investigating '' the matter, but can not resolve this issue, even though they have all the information needed to do so.

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 monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
To my knowledge, I do not remember receiving any validation from this company. If XXXX can not validate this information this account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX and Equifax requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: IL

Complaint narrative:
I noticed a unauthorized inquiry on a XXXX XXXX credit card. I believe someone used my identity to try to get a credit card. I also filled an FTC report because someone filled me for taxes.

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 2021-02-26 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: AL

Complaint narrative:
I never took out a loan with the Department of Education in XXXX of 2015. I was XXXX at the time so this is virtually impossible.

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 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The company Portfolio Recovery rep name XXXX XXXX, calling from XXXX, continues to call my place of employment despite being told numerous times to not call my place of employment as I am not taking personal calls at my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A payment was forwarded electronically to Synchrony Bank for my XXXX/XXXX credit card. Synchrony sent an email stating that the payment is being canceled because the balance is {$0.00}. Incorrect. The balance is {$1200.00}. I put in a dispute because there is a pending charge of approximately {$2200.00} on the account which is wrong. This amount was initially for a mattress set and furniture. XXXX informed me that due to COVID they were not sure when the furniture would arrive. I canceled the order for the furniture only, and am making on time payments for the mattress set, which is included in the balance due amount of {$1200.00}. I contacted Synchrony ( XX/XX/XXXX ) and was told that I could not make payments on the account due to a dispute. The dispute has nothing to do with the balance currently owed. The rep said I could not make online payments nor could they take a phone payment. I called again on XX/XX/XXXX and explained the issue with another CSR, was placed on hold and eventually the call was cut off. I called what I thought was Synchrony headquarters on XX/XX/XXXX to no avail. I have not missed a payment with Synchrony and have a concern that when the dispute is settled, my account might reflect past due payments ( due to Synchrony not accepting payments ), will have accumulated interest, and could negatively impact my credit report, which has an Excellent rating. I forwarded another electronic payment on XX/XX/XXXX and received the same message : the payment is being canceled because there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
We began an initial online refinancing process with AmeriSave Mortgage Corporation on XX/XX/XXXX with the below person. 
XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Desk On XXXX, XXXX asked for our credit card because they charge {$500.00} instead of an origination fee. We told him we hadn't heard of companies charging up front. What if the loan/underwriting process approval didn't go through and then we had already paid? He assured us there were no issues so we gave the credit card # and was charged the {$500.00} for loan closing. As soon as that payment processed, any verbal communication/normal phone servicing with XXXX ceased. He did not call us despite several attempts on our part. AmeriSave is having an issue with our HELOC and either wanted us to close that or the refinance would push out at least another 60 days for subordination per their email. Never did anyone pick up the phone and call us to discuss. It's just all automation and we can't get out of it. Those are unacceptable options for us and so we have decided to cancel our refinance with this company. XXXX has not responded so we put in an email to their servicing department on XX/XX/XXXX. We received a reply same day from a rep and that she would forward our concerns to XXXX XXXX supervisor. 
XXXX XXXX Customer Service Representative AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX On XX/XX/XXXX, still no response so we emailed XXXX again. She responded back that she sent a 2nd request to the supervisor, XXXX XXXX. It is now XX/XX/XXXX and still no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have a home mortgage that now belongs to Mr. Cooper. 
I was attempting to find out information about my principal balance when I accessed an escrow statement that indicated an increase in my mortgage payment that would occur in XXXX. 
I had signed up for paperless bills and did not receive the escrow statement in the mail nor within the email. 
Instead, I simply received a message that my escrow statement was available. 
If I had not been researching another issue, I never would have seen this increase, never known about the increase and never would have modified my automated billpay to account for the increase. 
This could have resulted in incomplete payments and put me in a position of appearing to be delinquent and unable to qualify for things such as PMI removal. 
I do not consider this to be a reputable practice. 
I voiced my concern to a company representative, but they did not indicate that anything could or would change this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XX/XX/2019 got a auto loan from One Main Financial. I believe we got a fradulant loan as we did not qualify and have been mislead into to charges and fees making it impossible to pay loan. After two years the balance is higher than original loan amount and we keep getting loan offer modifications that are not legal. The principal that gets paid is only {$6.00} dollars and intreset is {$200.00} monthly. I believe we have been scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 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: AL

Complaint narrative:
I never took out a loan with the XXXX XXXX XXXX in XXXX of 2015. I was XXXX at the time so this is virtually impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
According to CFPB RULES, in the complaint Nos. XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX I, XXXX XXXX XXXX ( XXXX ) pursuant to and under 15 USC 78c and so forth, etc.,. I ( XXXX ) was told by your employee to allow your company 15 days of investigation and process of an complaint. Well when I placed the first complaint I told them that I had two complaints and I was told by your employee to wait for the first one to see what happens. Anyway, I placed the second one on XX/XX/XXXX and within 24 to 48 hours later I was phoned by your { assumingly } employee that she was calling me on the behalf of Wells Fargo and that the case was closed. Then within 2 weeks later I received a bogus, pranked, unprofessional letter from Wells Fargo with overlapped information from XXXX XXXX writing on the behalf of Wells Fargo regarding my current bank accounts numbers in which this is not my complaint. My complaints about both banks were as I filed in the complaints itself. Please reflected back to the previous filed complaints and I, XXXX XXXX XXXX pursuant to and under 15 USC 78c for both banks. Mr. XXXX XXXX, XXXX and or company President at XXXX XXXX  had sent me a question on my online banking of how much but I did not respond because I only want the monies that I either had going or put in the accounts by payroll deductions and or deposits plus the showing of monies entered into my account that I had expected it and more to come to. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ( Cell ) XXXX ; ( Email ) XXXX Be on the look out for the faxed letter of supposedly Wells Fargo letter dated 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 explanation
Consumer complaint received 2021-02-26 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: NC

Complaint narrative:
I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.

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 2021-02-26 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: SC

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation