vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
On XXXX XXXX Veterans United Home Loans of Texas didn't approve my VA Loan for a mortgage and home purchase. 
My credit was pulled without my written consent and now my credit scores took a downfall because of recent unauthorized credit pulled on my XXXX, XXXX and XXXX. 
I was Declined or Denied because of Lifetime XXXX and my National XXXX XXXX XXXX XXXX. 
I have applied for a VA Loan in XXXX  and I was declined and Denied and Veterans United Home Loans saved my social security and private information on their data and shared my information with other companies. 
I am XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.I have explained XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I was able and there should be a accommondations on my XXXX XXXX XXXX XXXX XXXX Department of Justice. 
Both of them didn't respond on my XXXX XXXX as Veterans United has a copy of my California Drivers License and My Lifetime XXXX information and documents from around XX/XX/2019 till Present. 

I respectfully didn't sign no authorization to pull my credit and I didn't authorize verbally neither.

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 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: VA

Complaint narrative:
I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

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 2021-01-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

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 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Citadel Servicing originated and now services my mortgage. My small business has been adversely affected by the pandemic and government-mandated quarantine. I am collecting unemployment but unable to make my mortgage payments due to my payments being XXXX per month and my unemployment being {$1800.00} a month. Citadel is not following the industry norm and allowing up to 12 months of forbearance like the government-backed loans are required to per the Cares Act. They are foreclosing on my home and have issued me a notice of intent to foreclose. I find it reprehensible that they would do this to a small business owner in the midst of a global pandemic. Its not my fault that the government has shut my business down. Now they want to ruin my credit and take my home. They earlier agreed to a forbearance but will not extend the forbearance for 3 more months. As the pandemic continues and quarantines and moratoriums are extended, they should follow suit. I think it is very unethical what they are doing to me considering the environment we are in and the fact that I have no control over this pandemic or government-issued restrictions impacting my ability to earn an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: AZ

Complaint narrative:
I reached out to the bureaus months ago in regards to improper reporting on my credit profile. I still have not received any results or paperwork in regards to the dispute.

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 2021-01-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I reached out to the bureaus months ago in regards to improper reporting on my credit profile. I still have not received any results or paperwork in regards to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$8.00} -This is not 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 2021-01-09 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: MI

Complaint narrative:
Checking account today and i noticed someone used my information to get loans and call about some stuff without my consent i have to provide for my family & my credit is something i depend on to get by. 

If my report doesnt look accurate or up to date Iasked that the accounts be removed immediately.

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 2021-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
My used vehicle loan is with Santander Consumer USA. I noticed that even though I have been making payments towards my loan, the balance never seemed to decrease. I will admit that the interest is pretty high due to my credit score and they did provide me with payment assistance in the past however, upon a review of my transaction history not XXXX XXXX has been applied towards my principal balance since XX/XX/XXXX. Surely this is an unethical practice of business. If my calculations are correct, I've paid roughly {$8600.00} since XX/XX/XXXX and not XXXX cent has gone towards the principal balance. I contacted Santander on XX/XX/XXXX requesting an audit of my account. I was advised today that they emailed me my transaction history, which I had already obtained through their online account portal. So their response was useless. This company has a record of taking advantage of their customers and illegal business practices. They prey on the vulnerable. Your assistance and investigation into this matter is very much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: MI

Complaint narrative:
Checking account today and i noticed someone used my information to get loans and call about some stuff without my consent i have to provide for my family & my credit is something i depend on to get by. 

If my report doesnt look accurate or up to date Iasked that the accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I received notification from Midland Funding LLC, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX  that was first reported as delinquent on XX/XX/XXXX. 

I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from Midland Funding. 


I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. 

I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. 

I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. 
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. 

I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On Monday XX/XX/2021 I applied for and opened a checking account with Navy Federal Credit Union. I did so under the sponsorship of an existing Navy Federal member, my wife whom I live with. I understand that I meet all of the qualifications for membership. I was granted online access to my account and was able to make an initial deposit of {$100.00}. 

Later that night, upon attempting to access my account via the web I was greeted with a message indicating I was not allowed access and needed to call in. I called on the night of XX/XX/2021 and waited on hold for over 40 minutes before I got to a representative who informed me that she could not provide me any information regarding my account or the reason I am not allowed to access it, and that I must call back when their security department was open ( which were restrictive hours ). I was also told that this department has no direct line and that when I call back during thier open hours I would need to first wait on hold for a representative who could then enter me into the queue to wait for the security department - which the representative remarked was " a long queue ''. 

At no time was any communication sent to me via email or otherwise indicating that I would be restricted from accessing my accounts or needed to contact anyone. The only way I could obtain this information was by attempting to login, then calling and waiting on hold to be informed of the hoops I would need to jump through. 

At the point of my writing this it is XXXX and I have still received no communication from Navy Federal indicating that they have taken any action or that there is any problem with my account. When I call into their support line after I am off work, the representatives are rude, vaguely accuse me of fraud but refuse to provide any details. 

This has been a horrible customer experience and I have XXXX desire to do any banking with Navy Federal. I want my money promptly and I want them investigated for the practices that led to my unfortunate experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
It's a HIPAA violation to share my information.

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 2021-01-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX party credit monitoring service notified me of an issue with my credit report from Equifax. I tried to start the dispute, but when I tried to create an account with myEquifax, it said I already have an account. When I tried to reset password, it says I don't have an account. Customer service couldn't correct the issue and issued an IT support request. I received no response from IT. In my second call to them, I asked again about not being able to log in and was told that was common and I should get their paid service as a fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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:
Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
From XXXX XXXX many Federal Government complaints was filed against Prestige on fraud and corruptions of vehicle loan and purchase in XXXX, Texas on around XX/XX/XXXX during my Bankruptcy Chapter XXXX proceedings in XXXX, Texas. 

On around XX/XX/XXXX or XX/XX/XXXX the vehicle was Voluntary Surrender in excellent conditions to Prestige Administration. 
On XXXX XXXX there is a collection for {$10000.00} and {$7600.00} in which on my XXXX, XXXX, XXXX credit report is very damaging. 
Prestige has a Collection/Charge off on my credit report and damaging my credit. 

This debt shouldn't be on my credit report or any where on my Consumer Report. 

I am XXXX XXXX and Retired and a XXXX XXXX XXXX XXXX XXXX. 
Prestige Financial Administration is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I reviewed my credit report XXXX, XXXX and XXXX  and I notice Derogatory Remarks of Collection and Charge off collections of {$4300.00}, {$4700.00}, {$5000.00}, and reduction of Charge Off/Collection debt of {$150.00}. 
This debt shouldn't be reporting on my credit report or Consumer Report.I don't owed no debts. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
This is a Violation of my ADA Disability Civil Rights Act under Department of Justice. 

This Collection and Charge off shouldn't be sent to no other Private collections companies. 

Many Federal complaints was filed against Oportun from 2019 till XXXX for Retaliation and Discrimination because my National Origin XXXX XXXX XXXX and my XXXX XXXX status. 
Federal filed complaints with CFPB and ADA Department of Justice. 
# XXXX XXXX XXXX and XXXX XXXX # XX/XX/XXXX.and XXXX for XXXX XXXX. 
Oportun was filing with their company Law Firm to sue me in collecting the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: MD

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX XXXX XXXX, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX that was first reported as delinquent on XX/XX/XXXX. 

I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from XXXX XXXX. 


I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. 

I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. 

I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. 
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. 

I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.

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