vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: TX

Complaint narrative:
I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered through checking my account balance a that a large sum of money ( to ) me was missing .after investigating I saw a total of over XXXX $ was taken without my knowledge or authorizorization on XX/XX/XXXX on XX/XX/XXXX.recieved a letter saying they could not confirm that fraud had occurred and closed my case I called to reopen my case with new information they said report it to local enforcement or do it myself directly with merchants. I Did just that and it still falls on direct express

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by Persolve LLC.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Automatic Data Processing, Inc.
State: TX

Complaint narrative:
ADP 's Background Check form submission does not work. It returns raw PHP code. 

XXXX XXXX XXXX Attempted to call the number but waited for an extended period without anyone picking up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I submitted in XXXX a application for a streamline refinance to lower my payment by lowering interest rate. I was told I was approved. My loan officer was negligent in not responding to any request, I then contacted her manager and again no response. I then submitted a email to the managing director XXXX XXXX who then escalated things and it begin to proceed. I was expected to close this month, but last week I get a email from the loan processer after almost 3 months and several escalations only to be told they somehow listed this as a 2nd lien and it should be a first. The only thing I can see is currently they are making money on the higher interest rate therefore delaying me getting a refinance done which will save me money. This is a unfair and deceptive practice and Home point financial should be reviewed and fined for these types of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello, I recently filed a dispute or claim regarding the incident that took place at XX/XX/2020 around XXXX XXXX  at an ATM associated with XXXX XXXX XXXX XXXX. I used the XXXX ATM to deposit cash precisely {$210.00} dollars into my Navy Federal checking account and basically the ATM Shutdown on me as you can see in the picture. It did not provide me with a receipt. It never showed on my statements, so basically it just ate my money. I filed a claim with Navy Federal and they gave me the {$210.00} dollars back but apparently the Navy federal representative for the fraud department told me today that the {$210.00} dollars that navy federal gave me was just provisional credit and that XXXX told navy federal that it did not see my {$210.00} dollars on their ATM audit in which today navy federal took back the money in which i dont understand because the machine took my my money and did not give it back which I dont understand. As you can see in the picture it says the date i took the picture of it shutting down on me. That is my proof of evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My vehicle got tolled by mistake three times in one year. The vin number of my car is connected to another bank which Im not a customer and they keeping repossessing the car. My payments are made on time. This is a frustrating situation. The dealership didnt help to verify this problem and fix it. 
This happened three time in one year lease and I would like to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield company been contacted me and my family several time to collect the pending due for balance submitted by home leasing company ( XXXX XXXX  ) we were staying there. 
I told them that the home rental property is charging us unnecessary money and we did pay the one month penalty while leaving the apartment. But Hunter Warfield collecting company continusaly harrased us and troubled us in this kind of COVID-19 situation where people are struggling to live for life. I explained them my situation but they did kept calling without understanding our job, family and financial situation. Now they have reported to credit companies which cause damage to our credit history. I want them to remove negative mark to our credit report, this will struggle us a lot. We hope you make them to track back negative reporting to credit companies. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX/XXXX XXXX {$1600.00}

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 2020-06-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. PXXXX XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX/XXXX XXXX {$1600.00}

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: NV

Complaint narrative:
Lending tree pops up while you are looking at used cars You click on their link ... 
They offer you low APR with soft credit pull .... 
They send you to another place such as XXXX .... 
" For 6 % APR click here to confirm '' ... 
they DENY the loan -- -- -- BUT here 's the thing! Your cell phone then gets dozens of texts from unrelated businesses such as insurance, discount cards, credit cards, restaurants, jeep sales, dog food, Bobleheads, and on - and on - and on .... 

They get you to submit your info in hopes of a loan ( a loan they never intend to give you XXXX and then they sell your personal info to 1000s of othet unrelated businesses ... Scum!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Opened mortgage with Specialized Mortgage in XX/XX/XXXX. Payments always on time and refinanced and paid off in XX/XX/XXXX. Specialized sent the release in with the incorrect year of the loan. They sent it as XXXX instead of XXXX. We are closing on our home and the lien is still in the deed because they submitted the incorrect year. We have been calling them several times a day for over 10 days and cant get past the call center to get this typo resolved. Our present closing attorney and the closing attorney at the time of refinance have been also trying to get this resolved. I have even emailed their president, XXXX XXXX, and can not get them to fix their error. They are holding up the closings on the house were selling and the house were purchasing.

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 2020-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage has three loans outstanding with me- two mortgages on two properties and one HELOC on one of them. I have been doing business with them for about 10 years now. he HELOC is for $ XXXX and the outstanding loan amount was for about {$7500.00}. The last payment due was about {$200.00}, I usually keep very low balances on my HELOC and pay it off fully as soon as I can. I had one late payment recently ( I think the only late payment I have ever had in my entire history with this company ) which was delayed by over 30 days since we had a case of COVID in our home. As soon as I found out that I was late, I immediately paid off the entire amount down to a XXXX balance. 

Instead of understanding the situation, this greedy and unethical company immediately froze my HELOC without telling me that they would. Then when I asked, they sent me a form to unfreeze the account. After I sent in the form, I then find out from them that the freeze has to be for 6 months for timely payments. How am I making timely payments on a XXXX  balance? I believe this company does not like the rate it is giving me on this loan and is trying to get out of it under this flimsy excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX agreed to remove account number XXXX from my credit report. They are the only credit report that has it. XXXX and XXXX already deleted. it. Please take it off 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 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-06-30 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2019 and 30 days XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to 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 2020-06-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed various items on my XXXX, XXXX, and Equifax credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I previously filed a complaint due to the conflicting information received by the company 's representatives and the constant issues i have had with trying to make payments. They responded by saying that i was set up on autodraft. They then proceeded to purge my account, thereby causing the exact issue that they said was resolved in the prior response. I assume this was retaliatory for filing the first complaint. 

I am still unable to log into my account and am unsure if my payment will be automatically withdrawn.

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 2020-06-30 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Nationstar Mortgage LLC has failed to correctly apply our payment five times in a row. Our payments have been submitted in a timely fashion but instead of applying it to the next months due amount, they have applied it to the principal as we made bi-monthly payments. Each time we have called to complain and we have been assured that they will fix the problem with " their software '' for the next payment. Apparently their software is only capable of processing monthly payments. Each time we call them back, they tell us " they will get it right '' this time. In XXXX, they sent a late payment notice for the same issue that they have been unable to fix. Their customer support told us that " they would fix this '' and that " there will be no record of a late payment reported ''. We were also told that " '' it would take up to XXXX days to resolve the error and apply the payments correctly ''. In XXXX, my credit report through Experian determined that their promises were a lie when it took over XXXX days. I now have a late payment assigned to my name that has lowered my XXXX XXXX XXXX points. My wife has XXXX as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: 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. XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX XXXX {$520.00} XXXX/XXXX   XXXX

Company response to consumer: Closed with explanation