vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed a unverifiable bankruptcy listing on my Transunion credit report several times. Transunion states they verified the public record as accurate. I contacted the bankruptcy court and they stated they did not validate that record. they sent me a letter stating that they did not report it to any of the credit bureaus. I sent that letter and a copy of my FTC identity theft report to Transunion requesting that they remove the inaccurate listing immediately as it is causing me damages and the benefit of a good credit rating. they still continue to report the item which is willful noncompliance.

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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a capital one account and i was told i already had one in which I've never known about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I was unaware of this account. I never got a letter, notice, call or anything. I need to apply for a loan and saw it on my credit. I have contacted this company multiple tines, attempting to get information. I can't get a reply. I faxed the company on XX/XX/XXXX - since then COVID 19 has made life hard and my credit is still being hurt by this account. Even though they wont respond to me they have verified this account as accurate and it is still on my XXXX  report. They keep updating every month - it was just updated XX/XX/2020! This is ruining my life and I want it removed from the credit reports .I pay my bills. I would not ruin my credit over something less than {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: DISCOVER BANK
State: CA

Complaint narrative:
I suddenly got a late payment delinquency report made by Discover Bank from my credit bureau -XXXX , in the first week of XXXX. I called Discover Bank, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX  that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that Discover Bank had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this Discover Bank situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Called to dispute an account on my credit report on XX/XX/20 and Experian representative Marked my credit card as disputed when it was not to be disputed and my credit card got canceled! now I cant get my XXXX  XXXX ever again until Experian tells XXXX  XXXX That it was their fault and not mine but I did not tell them to dispute my XXXX  XXXX credit card. Now Experian is telling me that theres nothing they can do.

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I been in my home for almost 21 years my loan has been sols without my permission 7or 8 times.Every time its sold or transfered always they add more that my loan & house is worth up to XXXX $ sometimes.Ive been struggling since my job has gotten slow .They Value my home at XXXX $ i find this hard to belive it a XX/XX/XXXX doublewide.XX/XX/XXXX i had to file chapter XXXX which i paid XXXX $ on this loan over a 5 year period.Like i get no credit for that. I need help on getting my loan back on track.I dont know what to do & i do wont to keep my home .Any assistance would be greatly appreciated Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have two complaints : 1. On XX/XX/20 Dovenmuehle took {$470.00} out of my escrow account, I called and requested an explanation and an audit of the account to understand why. I spoke to XXXX on XX/XX/20 and she said that was a task for the research department and that I would here back from them in 7-14 business days. I have not received a written response or an explanation of the withdrawal. I have reached out in several emails with no response and have tried to get them on the phone. 

2. Dovenmuehle assumed my loan on XX/XX/20 and the hazard insurance was due to be paid on XX/XX/20 - I called on XX/XX/20 after I received notice from the insurance company that the bill was past due. As of XX/XX/20 no payment has been made for the insurance. 


The escrow account is in good standing and has plenty of funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. I have a reliacard through US Bank. I was never able to activate the card because the bank requested that I send in proof of my identity. I've done that with confirmation on my end as well as US bank 's representatives. This has been going on for one month 's time that I haven't had any access to MY money. When I call they say they don't have an answer as to why my card is still in restriction status. I need help contacting this establishment

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 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  XXXX is not reporting that I have a {$0.00} balance on my card to Transunion.

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 2020-11-03 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: AES/PHEAA
State: TN

Complaint narrative:
In XX/XX/2016 a missed payment was showing on all of my all of my Fed Loan Servicing student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Yes I have a Chase credit card that I used to have that most of the charges a fraudulent that are left on it that are unpaid also I open a new Chase bank account the credit card is stuck in XXXX and I didnt even stolen the chase bank and open here in a XXXX but due to some lack of security fraudulent charges again and I kept having to chase bank account keeps a document or a log of every device and several login to your account so I kept having people login random computers random things login they can secure my calendar and Ill didnt put no more money back and it nor pay the overdraft I was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has 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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Oregon Credit Service, Inc.
State: WA

Complaint narrative:
I have made several attempts to clear this up. XXXX XXXX performed unauthorized services and charged my credit card. There is no written work authorization and across the one they left it is clearly marked " Homeowner declined to sign. '' After filing a dispute with XXXX XXXX and providing proof via written explanation from an independent plumber that service performed charged were fraudulent. I have emails in my possession between XXXX XXXX and myself where the manager agrees that I was overcharged and services provided were unnecessary. she said she would correct them but that was never done. They have charged me for the county inspection which was never done and they were refunded by the county for that as well. I have successfully had the collections removed from XXXX and XXXX but can not seen to get XXXX to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has 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 2020-11-03 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -XXXX  XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.

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 2020-11-03 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: CA

Complaint narrative:
I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -Experian XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with Experian so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to Experian that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX  situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.

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 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Called Westlake financial to discuss why there is a daily interest fee with the interest already paid which at the end of my agreement due to this i will have paid double my financed vehicle that's a rip off I have already paid XXXX for this car and still owe alot i signed the contract under the assumption or understating that i would pay XXXX for the car with interest yet when you call them to discuss they act like they have no idea what your talking about or they agree its not right or they hang up no help or try to solve or explain their practices. I asked why if im paying the principal now is not my whole payment of XXXX going to that and its not only half is XXXX a month this just don't see legal or right. so I see predatory lending from this I look up review on this company and there a lot of bad ones with the same situation. I really think this needs to be addressed asap. They also had a class action law suite that they lost for collection harassments few years back something needs to be done with this company. getting rich from scams

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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I had an account with Navy Federal Credit Union, account ending in # XXXX. 
I used the card as credit option, therefore I should've had the protection as if visa/Mastercard promises coverage. On XX/XX/XXXX, I made a very large purchase for over {$4000.00}. I never received delivery. I contacted & filed paperwork with your union numerous times to no avail. This is also after I tried to reach resolution with the company directly. I have NEVER received any communication or follow up from Navy Federal. Ridiculous! This is why I no longer actively use this union. Follow through & return my money! It is XXXX XXXX  for the exact amount of {$4400.00}. I have tried to be patient due to distance, COVID-19, etc ... but enough is enough. My next step is to also file a complaint against the union. See attachment of receipt showing payment in full. Invoice # XXXX, order # XXXX. The actual purchase was made on XX/XX/XXXX & delivery scheduled for XX/XX/XXXX. Delivery never happened. I contacted the company, the warranty company which charged {$190.00} for coverage, the XXXX XXXX XXXX & filed claims on multiple occasions totaling 23 times beginning the first week of XXXX. I have not received any resolve from anyone & only received " there is nothing I can do '' on all fronts. I want my money back since it is fraud to charge for what is never received in good faith. Horrible way to treat veterans. I still have not received any help or answers from NFCU even after contacting hem yet again yesterday morning. 
Shameful. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an auto loan with Ally Financial that is paid by my son. I live in XXXX, he lives in upstate XXXX. Over the past few months there have been payments made that were returned for insufficient funds when in fact there was more than enough money in the account to cover the payment. Most recently I set up an auto-pay account so that Ally will take the payment out on the due date. The payment ( {$550.00} XXXX was made on XX/XX/XXXX and acknowledged by Ally. 9 days later it was returned for insufficient funds. There was over {$600.00} in the account at the time of the payment. In addition as of this writing the money has not been returned to my sons account. Ally blames XXXX XXXX, XXXX XXXX  blames Ally. In addition I have receipts for electronic transfers made in XXXX, XXXX, XXXX, XXXX and XXXX of this year. XXXX XXXX  says the money was transferred, Ally says they never received it and those transfers do not appear on the Ally transactions sheet. Again they each blame the other and none of those funds were returned to my sons account. Those lost funds have resulted in over {$3600.00} in additional payments for payments that were already made. They have also destroyed my credit rating in the process. Numerous attempts to resolve these issues with both banks were unsuccessful.

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