vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: AL

Complaint narrative:
My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: NY

Complaint narrative:
I called my KeyBank unemployment benefits bank card ( XXXX ) on XXXX at XXXX to get access to my account online because my password wasnt working and my account was locked. In addition, my PIN number was changed. The customer service representative unlocked my account and I was able to log in and view my balance/activity. I asked the representative about a suspicious charge of {$500.00} in my account and she expressed that the {$500.00} were transferred to a checking account via web on XXXX at XXXX. I never authorized this transfer and she stated that someone must have access to my personal information such as my social security number or card number. I dont know who can have personal information to access my card at this moment. I closed my card and requested a new card to be sent. I was trying to resolve this issue with the Fraud dept at XXXX, but the representative, XXXX, stated that I was in the wrong dept. XXXX stated that he didnt have access to this activity. He then advised me to call back and speak to a customer service representative. I was never dispatched, I called again and spoke to XXXX, customer service, which she then dispatched my call to the dispute dept for further information. After a 2 hours on hold, my call was ended by XXXX bank. I did not authorize {$500.00} to be transferred from my account to any checking account and I would like my money back. The representatives that were alerted did not help. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Hello, I am writing you in regards to my mortgage, I am currently on a Mortgage repayment plan through a Chapter XXXX plan, I need to resolve the issue with unapplied fund beings not being credited to my acct. My payment amount due states that I owe XXXX which is incorrect we have {$2900.00} in unapplied funds, can I please have a itemized statement showing how my payments are being applied and the unapplied funds applied to my account. 

Thank you, XXXX XXXX Acct 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 2021-01-28 00:00:00
Product: Vehicle loan or lease — Lease
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: Mercedes Benz Financial Services
State: UT

Complaint narrative:
My vehicle was stolen on XX/XX/XXXX and I reported the vehicle missing to police, XXXX, and Mercedes Benz Financial Services ( MBFS ) on that date. XXXX sent MBFS a check totaling {$56000.00} on XX/XX/XXXX. I have been working with MBFS since that date to close out my account since I have been without a car since XXXX. I was told by a MBFS representative that my account would be closed out by XX/XX/XXXX. I called on XX/XX/XXXX, to check the status and advised they are running behind and to allow an addition 7-10 days for them to process. I was further told the account would be closed on Monday, XX/XX/XXXX, and to follow up for a paid in full letter on Tuesday, XX/XX/XXXX. When I reached out to MBFS on Tuesday, XX/XX/XXXX, for the paid in full letter I was advised they are still experiencing delays and to allow an additional 7-10 days for processing. I requested a paid in full letter and the request was denied because the account is not closed. I requested a manager call back to request the account be expedited and to discuss issues due to the significant delays in processing times and accountability on the previous representative 's estimated account closure dates. I still have not received a phone call from a manager " because the account can not be expedited. '' Since the account has been paid by insurance for more than 30 days I am herby demanding the account be closed, a Paid in Full letter issued, and an overpayment check be issued immediately so I can purchase a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Started loan process with XXXX XXXX, GR rep in XX/XX/XXXX. Presented my case to him. Newly Chapter XXXX discharged in XXXX 2020. Working with realtor who recommended him. No problem we will get you funded. Got preapproval on final contract in XXXX. Sold my other property and closing date scheduled XXXX XXXX 2020. New purchase closing scheduled XX/XX/XXXX. Notifications start coming two weeks prior - to extend my date. I was asked to provide info and I was originally given a conditional clear to close in early XXXX I think. Then after working with their agent XXXX XXXX to get what they needed, then nothing just asking for extensions. I had to move out of my house and the new seller allowed me to move into the property at the end of XXXX. From then is what continued request for extensions sent to my attorney and this went on until XXXX 2020. When finally they came back and said sorry we are not going to fund you. So I had to secure a new loan with a new vendor. Mis-representation at its best when i reached out to them to try and secure my request for reimbursement i told them they had never sent me a denial letter. So they created one for XXXX XXXX 2020 which said that I was denied credit for bankruptcy and credit issues. It was never due to either of these things since my bankruptcy was presented originally. I showed proof of all payments they required of me and any other documentation. I letter from the clerk of the bankruptcy court validated all my payments were made on time and under the program. So I am claiming that denial is a fraudulent statement. They even tried to present my loan to Proper Rate and asked for extensions to that company which actually had no FHA loan clearance to even process the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
I am disputing the following account XXXX XXXX. The balance on this account is inaccurate.

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 2021-01-28 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: CA

Complaint narrative:
I contacted Experian asking for verification of account : XXXX # XXXX. I just received a notification from my credit monitoring that this account was updated from showing lates for the month of XX/XX/XXXX and XX/XX/XXXX. The update reflects no lates on the account currently. This has taken place in the past then the lates were added. also this account shows open XX/XX/XXXX which is inaccurate, discharged through chapter XXXX bankruptcy which is inaccurate. They also reflect that the status was updated XX/XX/XXXX. Theres no monthly payment amount and the current balance is not reflecte.

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 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I paid Mortage in full XX/XX/2021. I received notice from lender of auto debit on XX/XX/2021 for account paid in full. 

I reached out to the lender put my information in and the call goes silent. 
No one answered my calls I called XXXX XXXX department only to send me back to Carrington. 

XXXX XXXX  would not stop the auto draft payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
Was contacted by mail by Cavalry SPV I , LLC about an order to appear hearing. The hearing is set to be on XX/XX/XXXX for garnishment of my pay. Tried calling them on XX/XX/XXXX. They will not talk to me till the date of the hearing. I called the court that this is from. Gave them the cause No. XXXX. Was in formed that this hearing will have no involvement in this hearing. That it will be just me and the attorney involved in it. Was able to find out there was a judgement made to a XXXX XXXX XXXX in XXXX. The letter said it was sent to me by Certified Mail, and it was not. It was sent by normal mail. My wife made credit accounts under my name without my knowledge. She used my name and all other information. To be sure they were kept a secret she would make sure she saw the mail first. She used other phone numbers than the house phone also to keep me in the dark. If there was an order to appear prior to this I had no knowledge of it. I have no idea what account is talked about, when it was done or anything else. All I have is the letter from Calvary SPV I, LLC saying I owe them {$4000.00} and {$1100.00} dollars. This is the first time I have had contact with them, with very little information being made available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: BBVA FINANCIAL CORPORATION
State: IL

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

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX/BBVA USA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authori zation 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 2021-01-28 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: PNC Bank N.A.
State: IL

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

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, PNC BANK add a hard inquiry on my credit reports. 
On XX/XX/2020, 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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My additional Card holder XXXX XXXX 's wallet was stolen back on XX/XX/2021 in his wallet was his Saks Master card along with his other credit cards, I reached out to Capital One Saks Letting them know his wallet was stolen and we need to make sure there is no fraud on the account as his other cards were already used without his permission, when I spoke to the agent she said she would get me to Fraud but instead hung up on me, I then Calle back a second time and was told the fraud department is too busy and can not assist me, this is absolutely unacceptable, I have had nothing but problems with Capital one and Saks since having this account, this card has FRAUD and we need to get It closed down reissued and the fraud charges removed immediately to be told I can not be helped and they can not transfer me is unacceptable, please get XXXX card re issued, get the Fraud charges removed immediately!!!! I dont even know what charges are on the account because I can not speak to someone to help me!!!!!! The last valid charge on the account was from XXXX XXXX for {$470.00} anything beyond that charge is fraud and it needs to be taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was solicited for a loan against my CD. I never wanted it and have been trying to get out of this predatory relationship and they keep stalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx 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 2021-01-28 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is changing my account as well as everyone else 's without our consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Texas Guaranteed
State: GA

Complaint narrative:
These credit imquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has fraud charges on a credit card acct that has now been transferred to Portfolio Recovery assoc. XXXX XXXX XXXX XXXX was notified by me 3 men from Florida used my XXXX XXXX XXXX. XXXX Employee XXXX in the theft Fraud took my report XXXX/XXXX/2018. The 3 men in Florida I also placed a Criminal Charge with the FBI. They are on probation with.the US Dept of Justice, XXXX XXXXXXXX Of Wisconsin, since XX/XX/2018. I am not responsible for the Fraud. I have talked to the U.S. Dept of justice Victim System. XXXX XXXX XXXX XXXX refuse to accept this ; Portfolio Recovery # XXXX refuse to recognize these Fraud Charges against me. Portfolio continues to Place Collections on my Credit Report. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2012 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Lendingtree is using deceptive practices to pull your credit information and give to 3rd Party vendors without you being aware. Their website is setup in a way where the consumer answers very generic questions about your home, then they ask for your name and DOB. Buried deep within disclaimers they claim the consumer electronically signs and gives consent for them to match the information you give to pull credit report information and your SSN to give to 3rd Party vendors. There is no way a consumer has any indication they will use this information to pull your social and its purposely designed this way. They also claim you give up all your rights with your electronic signature. There is no where during the process that explicitly states you are electronically signing anything. This needs to be stopped and not allow them to hide behind hidden disclaimers hidden deep within their website which says you agree if you browse their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Recently, I've been unable to obtain my free credit report from TransUnion. Contacting Transunion has proven unhelpful. 

1- When using XXXX to obtain my credit reports, I receive an error stating that TransUnion is unable to authenticate my information and to contact them via phone or mail. I am able to see my reports from the other agencies. I used to be able to see my report from Transunion, but that stopped working last year. 

2- Transunion sent me a written report via US mail, but I want to be able to view my report online. I have sent ( multiple times now ) copies of my drivers license and bills, and other information they request, they only send another written report via US mail. 

3- I tried complaining on their XXXX  page and a representative said my file needed maintenance. This was performed 3 times, but does not resolve the problem. 

4- Calls to transunion blame problems at XXXX, they also say they have computer problems and to try again in a few weeks. None of this is true. 
Case number XXXX XXXX A recent breach at my lawyers office entitled me to a free credit report service from TransUnion called XXXX. My wife had no issue enrolling, but I received the same " cant verify my identity '' type of messages. After numerous days of working with them and sending documentation, I was finally able to logon directly with Transunion, but I still can't access my transunion files outside of their paid portal, XXXX. Clearly something is wrong with my file, and they will not fix it. Case number : XXXX I am entitled to online access to my transunion credit report online, and and I am unable to do so. Transunion is unwilling to help me resolve the problem via us mail, phone or through XXXX support.

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