vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Received a phone call and Voicemail from XXXX XXXX from ( XXXX ) XXXX stating " This is XXXX XXXX calling for XXXX XXXX this is a courtesy call regarding a claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified and concerns please contact XXXX ... '' I returned the phone call at XXXX XXXX to inform them that I have requested serval times that they contact me via mail and not to call me anymore. When the phone was answered it was gentleman that did not give me his name and denied speaking with me in the past and was belligerent with me and told me that they will send me a summons and disconnected with me. I immediately call back and a woman answered I tried to explain the situation and told her I was filing a complaint, to which she stated you didn't need to call back and hung up on me. I do believe this is a collection agency trying to collect on a JC Penny Card that was paid off in XXXX, and is no longer on 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 2020-06-10 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: NE

Complaint narrative:
A collection account with XXXX XXXX, XXXX was removed from my Transunion credit report. However, my credit score did not increase due to the removed collection account 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 2020-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a mortgage with BSI Financial Services. They have been overcharging me for insurance past two years. I called them over 30 times and numerous emails to tell them I have my own insurance in 2020 and upload all the documents to their system .they never returned my calls. They placed lender-placed insurance for {$4600.00} even do I have my own insurance. When I called today they said they changed their insurance department and no one seems to help me. They did same thing last year as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I'm a XXXX XXXX here with an excellent credit history. I received several pre-approved offer letters from Wells Fargo, none mentioning anything about residency status. I applied and I got rejected for the reason " Not a XXXX  XXXX XXXX  ''. I wouldn't have applied if I knew XXXX  XXXX  was a requirement, and I expected them to be informed of such a requirement before applying. Now I have a hard inquiry on my account with no credit card to use. I was thinking to get a new credit card during COVID and I chose Wells Fargo only because I had the offer. I would like someone to address this issue, please.

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 2020-06-10 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

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 2020-06-10 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: U.S. BANCORP
State: IN

Complaint narrative:
My wife and I had an Auto Lease Loan with US Bank ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to US Bank. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I was browsing for vacant land for sale. One real estate site required I create a login to continue browsing so I did so. The next morning I had an email from a lender with a mortgage company asking if they could assist me with a home purchase. I asked how they got my information from XXXX XXXX and they said they were a preferred lender and when someone registers on the site they pair them with a lender. Isnt trading my personal information and giving leads to a mortgage company a thing of value under RESPA rules? The lender and mortgage company is XXXX XXXX, Mortgage Loan Officer NMLS XXXX, CMG Financial NMLS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This credit card dispute was called into Barclay 's bank on XX/XX/2020. To date, XX/XX/2020 - all I get is " it is STILL under investigation ''. In regard to this dispute the Bank has also NOT issued a temporary credit and has required that I pay all amounts billed in full, or pay the interest and penalty. They told me resolution could take 90 days and they do not issue temporary credits. That is unacceptable. XXXX XXXX  and all other banks, gives temporary credits immediately upon receiving the dispute. 

This is summary of my letter to them : Dear Barclays Bank Dispute Dept. 

Claim Number - XXXX Credit card ending in XXXX Amount in dispute {$4500.00} On XX/XX/2020 I purchased 6 tickets, plus 6 seats ( one @ {$70.00} and one @ {$30.00} ), for a grand total of {$4500.00}. These charges appear on bill due XX/XX/2020. 
Two flights were for XX/XX/2020 with return on flights for the XX/XX/2020. In XX/XX/2020. I received an email from XXXX XXXX that the all 4 flights were cancelled. Page A1 & A2 - in attached backup uploaded file. XXXX XXXX offered to allow us to re-book. They NEVER offered us a refund for the cancelled flights. 

As per U. S. Department of Transportation Enforcement Notice dated XX/XX/2020 and uploaded here as documents B1 & B2 where it clearly states, Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight.. 

Also stated on document B2 that it is essential for the carrier to notify the passenger that it provides refunds if the carrier cancels the fights. 

XXXX XXXX did NEITHER. I was never notified or offered a cancellation refund. 

I therefor officially dispute these charges and turn to you to instruct Barclay 's Bank to promptly credit my account for above sum. 

List of charges is on the next page below. 

Attached is copy of reservation showing cancelled flights and also a copy of the Dept. of Transportation Order. 

Attached is copy of my fax receipt to show proof that i sent 6 pages via fax. This is same as what was uploaded to you.. 

I am also uploading the pages from my statement that shows these charges. Please keep this page confidential Date Amount XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$650.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} Grand total of Disputed amount {$450000.00}

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 monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX Shellpoint Mortgage Services LLC ( New Rez ) Received and cashed my mortgage payment check # XXXX for {$1500.00}. My bank provided to me front and back copies of the cancelled check. On my end everything was paid on time as per our mortgage agreement. 

Shellpoint Mortgage Services LLC ( New Rez ) did not apply my payment to my loan account. 

On XX/XX/2020 I received my mortgage bill in the mail, it did not show the XXXX payment, so I immediately called Shellpoint and confirmed with my bank that the check I had written had cleared - the check was presented to my bank un-altered and cleared my bank without any incident. Shellpoint told me that I would need to provide to them proof of my payment to include front and back copies of my check and bank statement showing the check had been paid and cleared to a " XXXX ''. I immediately provided this information in complete form. 

On Monday, XX/XX/2020 we received notices from New Rez that we were in default. My husband who is also on the Mortgage called them to see where we were in resolving their error on our account. We were both on this call, and we were told that they had received the information requested and if we could please be patient and just ignore the system notices we were receiving. We were asked to pay the XXXX payment over the phone and included a {$15.00} fee that they were not allowed to wave. We set up automatic payments for the next 6 months even though we had always paid them by mail. 

On XX/XX/2020 I received another notice about foreclosure with a single point of contact listed as a XXXX XXXX - XXXX. I immediately forwarded to her all the information and documentation I had sent and was told was attached and received by them. 

I am sick about this - I have done NOTHING wrong. I have paid every single bill coming to me, never have I ever in 20 years of having a mortgage ever experienced something like this. They have my money and refuse to address an error that is appearing to be larger than just my issue. 

I have showed this information to others in the banking industry and they are shocked that they have not corrected the issue on there side of things yet. 

I also received a notice from Insurance company that they had not paid the premium held in our escrow account. However I have discovered they did pay the County Taxes in the same escrow account. 

Please help me get someone there to immediately correct this issue as I believe a timely acknowledgement and response is warranted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX. In XXXX, me and my brother took a loan out for a car for my Mother. In XXXX, the car was totaled. After the insurance paid off part of the amount, Credit Acceptance said there was a balance of {$1000.00} on the account. In XXXX of this year, during this pandemic, Credit Acceptance put {$330.00} in interest on the account and placed two missed payments on it. When I contacted them to find out why, they said someone contacted them and agreed to make a {$600.00} payment and did not follow through. I spoke with my brother and he also did not call them. I did not contact this company and make any agreement with them. Apparently, they have been sharing my information with others without my consent. They also have been sharing information with varies family members in regards to my 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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
On Saturday, XX/XX/2020, I submitted a complete application to New American Funding for a refinance of my home loan. Along with my application, I uploaded all stipulations to verify income, property address, id, social security, hazard insurance, and current mortgage balance. 

On the morning of XX/XX/2020, I called New American Funding to find out if an MLO would be giving me a call to discuss my options. I was told by the call center representative that an MLO from a local office would be giving me a call. 

It wasn't until the morning of XX/XX/XXXX that I was contacted by a local MLO. The conversation was brief and promised me he would be looking at programs and would call me back at a later time. 

I called the customer service center back on XX/XX/2020 to follow up. I was forwarded to the local MLO and was quickly disconnected. 

It is now XX/XX/2020, and I have not been given a Loan Estimate according to TRID. 
Contacting the company yields no results. I called the customer service center once again today with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: IN

Complaint narrative:
My wife and I had an Auto Lease Loan with XXXX XXXX  ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to XXXX XXXX. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I got caught in " The XXXX XXXX XXXX '' student loan scam. I was paying them for like two years and finally received correspondence telling me that I had gotten caught with a whole bunch of other individuals from coast to coast totaling in the amount of XXXX " XXXX. '' FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX  XXXX ( XXXX  ) ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of California

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Closed my BOA checking account ( Debit card ending in XXXX ) in XX/XX/2019. The balance was roughly $ 64.xx. I have called several times to request refund since XXXX BOA claimed to the refund check can not deliver in XXXX Called customer service a couple times more to verify the address and was told the check will be sent out by end of XXXX, then XXXX ... Till today, I have not seen any check delivery. No explanation and no further follow-up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: NE

Complaint narrative:
The credit bureau is reporting a balance of {$12.00} with The XXXX  XXXX XXXX, which is inaccurate. I have a XXXX  balance with XXXX XXXX XXXX XXXX. It is not reflecting my payment of {$31.00} made on XX/XX/20.

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 2020-06-10 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 recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted 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