vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by MECHANICS BANK FKA CRB. 

I had called mechanics bank payoff a full 2 years before loan ending date. 
I got a payoff and paid it off, but supposedly there as a remaining balance I was not made aware of this. I dont receive any calls, and dont received any explanation.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account Name : MECHANICS BANK FKA CRB Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/2014 Status Paid, Closed. 

My demand is based on many damages and all the violations that they have committed : I want the deletion of late payment or removal of account ASAP. 

Please sed the attached documentation to this company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: RI

Complaint narrative:
On XX/XX/XXXX I called carhop to settle my Loan on a closed account, I settled and paid the company XXXX dollars. I was told this would take time to show on my credit report and Id receive a release lean in 4 weeks, I originally called carhop XXXX to report there was incorrect information reported on my credit report which stated I still owed XXXX and that my last payment was XX/XX/XXXX and was still in repossession I spoke to a XXXX who said Id have to send documentation a copy of my license etc to corporate to show proof this was incorrectly reported also stated it was the credit companys fault when that is FALSE. I settled with this company so I didnt have to deal with them but its becoming hard for anyone to help me with this when nobody can give me a straight answer. I settled with the company I dont know why I have to go through 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 2021-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Technology Federal Credit Union
State: ID

Complaint narrative:
First Tech federal credit union Manager II : XXXX XXXX email : XXXX T : XXXX F : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Idaho XXXX XXXX XXXX On Monday XX/XX/XXXX I visited the local office and spoke with XXXX XXXX and XXXX XXXX about the fact that I had applied for PPP loans and ANY other program I am eligible for during the first run in XXXX of XXXX. 
At that time I never received any follow-up about eligibility that month or the month of XXXX. This, even with 3 subsequent visits and repeat questions on the progress of my request to the tellers during that time. Upon pressing the issue in XXXX I was told the program had 'ended ' and they " ran out of funds ''. This, with no notice and no correction available. I left with a standing and clear request to correct this when the next plan becomes available. 
I visited again on XX/XX/XXXX to get an update. Speaking with XXXX XXXX, I explained that I had not received a follow-up call yet and I wanted to get started before this new PPP program starts. Due to the missed opportunities of last year I also requested a follow-up call from XXXX if corporate was unable to respond. 
XXXX assured me that I would get a follow-up call and that she would call If I did not. 
I did not get a call from anyone. 
On Monday the XXXX I Called corporate directly, spoke briefly with a man named XXXX, where I was subsequently " Phone Flushed '' ( hung up on ) during a transfer to " someone in that department ''. 
Upon visiting XXXX XXXX again at the local branch that same day and insisting that I need a callback, I did get a call from a lady at corporate. In this call she used 2 excuses why I am not eligible for assistance : 1. I did not have a business account before XXXX of XXXX. 
REPLY : I have been a member of this bank since XXXX and have had an active business account since XXXX. The lady from corporate acknowledged this. 
I informed her that I have had membership before the bank transitioned from XXXX XXXX XXXX to XXXX XXXX and then to First Tech. Most of my accounts are grand fathered from past formats. I have been a member longer than most employees have been working at this branch. 
2. My account was not the correct type of business account.

REPLY : refer to above.

Many times I have had pointed out that First Tech touts the number of businesses they helped with PPP loans. 
XXXX XXXX IS eligible. My account has been active. I have good decades long standing loan activity with this bank. I have direct deposit accounts to 2 contract employees I brought to this bank and had start accounts of there own.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I recently was bombarded with emails from LendingClub a company where I am currently paying off a loan I received around 3 to 4 years ago with a co-signer in the amount of {$570.00} a month. I have been making on-time payments and monitoring my credit score and credit decisions with the XXXX app for smart-phones. I was under the impression and assumption that I was refinancing my current loan which I am halfway through paying. I had no intention of taking out another loan or in their words " opening up another account, and it's okay because at LendingClub you can have up to two accounts at the same time. '' When the offer was first made to me they said I can apply up to {$40000.00}, so I applied for {$40000.00}, they came back with an offer of {$13000.00}, which I accepted. So I am thinking they loaned me the $ XXXX minus the $ XXXX, which would left me with {$15000.00} cash in hand. But now I can't remember if was going to refinance the $ XXXX I originally borrowed minus the remaining balance of {$11000.00} which would have left me {$13000.00}, again close to the amount that they created a second account for. After their admin fees I received through direct deposit {$13000.00}. I never would have agreed to take out a completely new second loan to add to my debt, that I am trying to get rid off. LendingClub bombarded me with emails using key words like refinance, congratulating me on payment streaks, and now I feel they are trying to take advantage and take what little money I have left to pay on a second loan them. I called a customer rep, greedy and predatory when I spoke with them over the phone. Also my interest rates are to high at 30 %, for my credit score of XXXX when I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Savings account holder died in Florida. Executor of estate is not in Florida ( nor on the XXXX XXXX where all TD bank branches are located ). Deceased account holder had a minor savings account of {$58000.00}. TD Bank refuses to allow executor to send original death certificate and authorization of executor by mail. TD Bank insists executor must show up in person ( i.e., fly across the country during a global pandemic ) or hire third party agent to close account and distribute savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX AUTOS add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase sold my mortgage to XXXX XX/XX/XXXX. However, Chase didnt give me option to continue auto pay but took upon self to forward to XXXX without my permission. 
This loan was paid off XX/XX/XXXX. 
XXXX plan to take XXXX payment not owed. Speaking with Chase no one know how to stop the auto draft Chase set up. Just got off the phone with Chase Mortage department spoke with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
There are four late payments on my credit report for which I don't recognize. The account numbers don't match and it is all incorrect, therefore, I'm demanding the removal of those items pursuant FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 2 hard credit inquiries from XXXX on my credit report. I am unaware of this as I do not and have never had an account with them. When I called the bank, they asked for my social and had an available credit Under my social security number but a different name was on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have an account from a company called Seqium showing I have a balance for a business account for internet at my place which I never had and currently still have the same companies internet so how could I owe them? It is only showing up on 2 of my reports in collections for XXXX I have sent them a certified letter stating to verify this information or remove it from my credit profile. I called them and they said they would dispute it and give me a call on the outcome and never heard from anyone at all. This a debt they allegedly say I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I completed fully funding a new savings account @ MARCUS by Goldman Sachs with " new '' funds in the amount of {$15000.00} on XX/XX/2021 ( attached ) after completing the required interbank funding procedure debits and credits and test deposit. 
On XX/XX/2021 I received a marketing offer ( attached ) for a {$100.00} Savings Bonus effective from XX/XX/2021 through XX/XX/2021 that I was unaware of when I opened the described new savings account. 
Upon receiving this promotion offer on XX/XX/2021, 11 days after its effective date and within the time interval specified by the offer requiring only a {$10000.00} funding to be deposited and remain for 90 days I contacted XXXX and escalated my request to be credited the {$100.00} to a supervisory employee XXXX XXXX who initially resisted my request but then agreed to submit a formal request for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
as oi stated to you peop [ le before and in the past experian.XXXX have faiLED TO FIX THE PROBLEM. i want to pay for it dearllly the complaint has treoid to fix and they failed to fix it as of today XXXX has XXXX out my report but Experian has not dont the same thing.

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 2 hard credit inquiries from XXXX on my credit report. I am unaware of this as I do not and have never had an account with them. When I called the bank, they asked for my social and had an available credit Under my social security number but a different name was on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management contacted my home phone number. I did not answer nor was I home. My mother answered the phone and the collector assumed that it was me that answered, addressed my mother by my name, and proceeded to tell my mother about the debt and that there is a potential lawsuit. There was an apparent aggressive tone and my mother stated that she had to talk over the person to tell her that she was not me. The collector never asked for any SPII to confirm that she was speaking to the correct person. My mother did not share any other details of the conversation other than the collector asking for additional contact information for me or husband ( which I do not have ). The call was received on XX/XX/2021 at approximately XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have federal student loans that started with Nelnet, changed to XXXX XXXX, then went back to Nelnet. During this time, I went into automatic forbearance starting XX/XX/XXXX when I filed for bankruptcy. During this time, my loan was to stay in forbearance even if I made payments. However, I was placed in and out of forbearance ( moved from forbearance status to " in repayment '' status at various times during this period ) ; thus causing interest to accrue and/or capitalize unfairly. Additionally, there are misreported unknown forbearances over time leading to outstanding interest that is not adding up. Something has been misreported and I would like this to be investigated further. When I asked about my exorbitant amount of interest and capitalized interest back in XXXX, Nelnet did not have any explanation. Once I pulled the attached document and had an expert review it, discrepancies were found as noted in the previous sentence. 

Please see the attachment showing payment history and disbursement form XXXX. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
about XX/XX/XXXX Capital One held disbursements on three of my on line payments, even though I had {$14000.00} in the account. The accounting showed the word " failed '' and gave me a 1-888 number to call.. I was told there was a check dated XX/XX/XXXX in the amount of {$430.00} made out to XXXX XXXX, endorsed over to XXXX XXXX and cashed at Capital One. Capital One said it was a fraudulent check. and they no longer wanted to do business with me. Capital One is holding this amount in my check account with notice it may not be with drawn. I asked a copy of the front and back of this check be sent to me. so that I may investigate this check myself I need a copy of the front and back. I have not received this information. On XXXX XXXX I again called the 1-888 number and was informed I had never requested a copy of this check. We aren't going into that, it just makes me madder. 

I would appreciate a copy of this check be sent to me, so that we may settle this problem or what future steps I shall take. 
1 ) May be sent by mail to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX XXXX ) may be emailed to XXXX 3 ) may be texted to XXXX XXXX XXXX Capital One account # XXXX Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was forced to close my sign store due to the XXXX Pandemic. In XX/XX/2020 I was diagnosed with XXXX and was hospitalized for a month. During this time I applied for a forbearance plan and was told that my investor did not participate. I don't know who my investor is but the world is in a pandemic and my investor does not want to help. Now, I have recovered and back to work and would like to start making my mortgage payment again but the lender is refusing to take payments. I applied for loan modification and or deferment and was denied, they did not give me a reason why I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I paid off a home equity credit line when I sold the property. XXXX received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through Experian as well as a number of email and phone communications with XXXX directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. Experian refuses to change the data, even after requiring me to send proof of the payment and closed account status. XXXX says they informed Experian in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. Experian says they have to go by what XXXX says because they don't know if I submitted fraudulent docs. XXXX says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor XXXX XXXX????????? ..XXXX  from Experian refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to Experian

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