vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-28 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF ED/XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$46000.00} XXXX/XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: STERLING JEWELERS, INC.
State: NV

Complaint narrative:
Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for XXXX. Please update payment status or remove off credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Care credit card closed my account based on XXXX reporting. Old accounts are not being waived. Student loan accounts are triple reported and 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 2020-08-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for Experian. Please update payment status or remove off 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 2020-08-28 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, on XX/XX/2020 I contacted Comenity Bank to find out why my Victoria Secrets account has not been updated based on my XXXX report, which shows the last update was done on XX/XX/2020. After speaking a Customer Service Rep, I ask to speak with a Supervisor, the next voice I heard was from XXXX, Supervisor. 

I told XXXX of the issue I was having with Comenity Bank, I also asked what information does it show in my account as far as the last date reporting to the Credit Bureau. XXXX informed me of the same XX/XX/XXXX date, and in order for this issue to be resolved, I had to send a request for someone to look into this situation from a different department and that could take up to 5 business days. 

I'm a little confused, XXXX confirmed the information in my account should have been updated at least by now, however, I still need to send a request to have this looked into. I told XXXX this is a waste of my time and that Comenity Bank dropped the ball in sending over accurate information to all 3 Credit Bureau in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
HARD INQUIRIES : CHASE ( SYNCB/CC ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) XXXX XXXX XXXX ( NEVER APPLIED FOR A LOAN )  ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I applied for a refinance loan for a lower rate and to pull equity out in XX/XX/2020. I have turned in every document I was asked and have been passed through no less than 5 different processors and as of XX/XX/2020 I still have not received money. In fact, I just got off the phone with the latest processor and she said it will be two more weeks minimum.! PH Loans XXXX!! 

I want to file a complaint due to the long delay in processing my loan. I am aware of the pandemic and it's effects on the process, but it should not take more than 6 months to process my loan. I am a XXXX veteran and I need that money. PH Loans is responsible for my nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One decreased my credit limit without warning. I have been a long-time, perfect customer to Capital One. I have my checking account, savings account & 2 credit cards with them. I never pay late. My credit score is important to me. This sudden decrease because I wasnt using  my full credit limit will impact my credit. Also, having a credit card for emergency use during an international pandemic provides peace of mind. Instead of rewarding customer loyalty and on-time payments, they cut my credit line by 75 % on one of my cards. I was always the first person to rant & rave about Capital One, not anymore! Im shocked and disgusted by their action during a time of crisis. Absolutely heartless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report through XXXX. I noticed that there was an account in " Collection '' status and I wrote a letter to XXXX and XXXX disputing the alleged account stating that it was not my account. XXXX never responded and XXXX did so with a letter dated XX/XX/XXXX. I also received a letter from Cavalry dated XX/XX/XXXX, with attached documentation stating that the account disputed through the credit bureaus was mine and the information was accurate. 

I then wrote a letter to Cavalry, dated XX/XX/XXXX, explaining what I had submitted to the credit bureaus and now asking them for the same information to VALIDATE the account that was placed on my credit file. On XX/XX/XXXX I received a response from Cavalry acknowledging my letter but not providing the requested documentation to show me PROOF and VALIDATION that the account being disputed belong to me. I then sent another letter to Cavalry on XX/XX/XXXX explaining that they had not sent me the required documentation and that I have the rights to dispute and obtain information of a debt that they say I owe to them. I received another response letter from Cavalry on XX/XX/XXXX maintaining their position that this account belongs to me and that the information they have reported the credit bureaus is accurate. They have failed on two occasions to provide me with the documentation to VALIDATE this account. 

I am asking for your help now to mandate this creditor to either submit the requested documentation or remove the " Collection ''  account off of my credit file with both XXXX and XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: THRIVE MORTGAGE, LLC
State: TX

Complaint narrative:
My Closing was rescheduled from XX/XX/XXXX, to take place this afternoon at XXXX XXXX CST on the purchase of my home. I reached out to Thrive Mortgage, who is the Lender for this transaction, and requested a copy of my Final Closing Disclosure so that I know how much funds I'm required to bring to Closing. I've requested this information since yesterday and I followed up this morning, XX/XX/XXXX, and they have not responded. Per TRID regulations, they are required to disclose any changes made to the loan within 3 days and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have requested of Navient multiple times a full accounting audit for my XXXX XXXX and Department of Education loans. Each time they have given me the run around and provided me the same incomplete or inaccurate information. The initial communication was in XXXX, and on XX/XX/XXXX I was provided an incomplete list of transactions, but no audit. Then on XX/XX/XXXX, I contacted XXXX where they provided on XX/XX/XXXX another list of transactions and referred us to studentaid.gov, but still not an audit. Studentaid.gov does not have any more or different information than what Navient has, so we still have no resolution or further insight. 

I believe a XXXX XXXX opened in XX/XX/05 has been improperly accounted for, inflating my current balance due. According to my records and credit reports, the amount was consolidated and closed ; however, I dont think it was cleared from their books and was re-consolidated causing it to be double counted. 

I request your support in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citibank services my Best Buy Credit Card on XX/XX/2020 I paid my account in full in the amount of {$7200.00} on XX/XX/2020 I checked the account online to see that the payment had been credited to the account and a new charge of roughly {$680.00} had come through and the account showed the credit for {$7200.00} and a new balance of {$680.00} I authorized Citibank to withdraw {$680.00} to again bring my balance to {$0.00} - Citibank went ahead and withdrew and additional payment of {$7200.00}. When I called Citibank they acknowledged the mistake and now show I have a credit of {$6500.00} on my account I explained to Citibank that I don't want a credit on my account I want the {$65.00} # ^ put back in my account immediately. They informed me they can't do that immediately that it would take over 5 days to return my money to my bank account! This is unacceptable frankly criminal behavior on the part of Citibank they took my money in less than 12 hours but can only return my money in an unspecified number of days that exceeds 5 days.

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
When my wife and I refinanced our house, my name was added to the mortgage but the titling company did not file the documents to add my name to the deed. Also my wife 's maiden name was not updated to her married name on the deed. 

We signed a quitclaim deed and had it notarized in order to add me to the deed and update my wifes name on the date we executed all of the refinance documents, but the county claimed there was an issue with the document and rejected it. 

The refinance closed XX/XX/2020, Loan Depot was the lender and XXXX XXXX was the loan processor. The titling company is XXXX XXXX XXXX XXXX XXXX, and the manager in charge of my titling is XXXX XXXX. There emails are XXXX and XXXX respectively. 

I realized there had been a problem with the titling when my wife and I attempted to transfer title to our living trust and it was rejected because I was not on the deed. I emailed Loan Depot on XX/XX/2020 to let them know there was a problem, then I reached out to XXXX XXXX XXXX XXXX XXXX as well. I have numerous emails going back and forth but then weeks go by and I don't hear from them and as of XX/XX/2020 this is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: MD

Complaint narrative:
XX/XX/XXXX tried to disputed information from an collections agency that was included in bankruptcy that was discharged XX/XX/2020 by the state Of Maryland. Credit Reporting agency contacted and still showing on my credit as owed and affecting my ability to start over. Along with having the bankruptcy. I need help getting it removed. I also sent documentation to the credit agency to verify my statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
Hello, VW sent an inspector to inspect the car before we returned it to the dealership. Report attached. Based on this report we were ONLY liable for the extra miles. We did change the tires to bring it up to par. 

I have reached out to VW finance but have not heard back from them on this issue. We would like to resolve this issue asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The company began calling a few weeks ago on a debt from over a year ago. They call every day. I have explained to them that we don't have the money to pay them or anyone else right now. I've been polite. I've asked them to call less frequently. Still, they call every single day at XXXX in the morning. 

Last week, I was XXXX  and I am still quite ill. I very patiently explained to them that I need them to please leave me alone until I feel a little better. They are pleasant and agree and then sure enough, XXXX sharp the next morning, they are calling me again. If I fail to answer the XXXXXXXX XXXX  call, they will continue calling at random intervals throughout the day. It is now to the point where it is clear harassment on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-08-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
I was discharged from bankruptcy in XXXX and has disputed the amount twice a year for the past 5 years. XX/XX/XXXX I sent email to the president and several other employees of Pinnacle Financial Bank. 
I entered bankruptcy in XXXX and several years into bankruptcy my second mortgage sold my loan to Pinnacle Bank. Pinnacle Bank did not comply to Chapter XXXX standard letter was sent to appear in court they ignored. Pinnacle Bank did not mail me any documentation about my account with them.The second mortgage had to keep accepting the payment and then they would forward to Pinnacle Bank. The first time I seen the amount from Pinnacle right after my bankruptcy they states I owe them XXXX and they claim I was late every month. I would dispute with credit bureau and then the amount was lowered to XXXX. I disputed that amount as well then the amount changed again to XXXX. I dispute the amount again they will not remove the amount. 
I have the letter I sent to them as well as my Chapter XXXX payment history for the second mortgage. Please review

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I gotten this loan on XX/XX/XXXX in the amount of XXXX and I have been paying on this loan since then. I am still making payments and thought that I would be finished with this loan within a year. I have try contacting headquarters to see if this can be looked at and to no avoid the number that is for them is only a recording. For they have a local office in XXXX XXXX XXXX Fl. at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX. I was not aware that this was a weekly loan and I informed the loan officer that I can only repay monthly in which I have done for 3 yrs. So there is no ever ending with this company and I also found that they have been sued. Consumer advocates rejoiced when Gov. XXXX XXXX in XXXX signed a law that imposed restrictions on car-title lenders. I want to get out of this predatory loan with these people for I have paid over the amount that my XXXX XXXX XXXX is worth. Need some help in getting out of this predatory XXXX of a loan from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
Morgan Stanley Home Loans keeps saying they will modify the loan with respect to lowering the interest. Instead, they keep sending repeated forms about being in the military which is not applicable. They have offered no assistance during covid, despite assertions to the contrary, except to require all payments be made in month four. We have excellent history and this lousy company keeps making promises and does nothing to help or keep their word about modifying the interest rate to a more reasonable number. Last call they promised to send information and application to modify and this was third promise. Instead all they send is some form nonsense about military service which does not apply. Please escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION WILL NOT SEND ME WHAT I ASK FOR IN MY DISPUTE LETTERS ON XX/XX/XXXX, XXXX, XX/XX/XXXX AND XX/XX/XXXX. XX/XX/XXXX .TRANSUNION ALL WAYS SAY MY FILE HAS BEEN VERIFIED, MY DISPUTE LETTERS ARE ASKING FOR NAMES OF CONTACTS, PHONE NUMBERS OF WHOM THEY VERIFIED ACCOUNTS WITH AND THE ORIGINAL CONTRACT WITH MY NAME ON IT ... ... ... ... ... ... ... ... ... ... .... XXXX ACCOUNT # XXXX DO NOT MATCH MY LEGAL ADDRESS ON FILE WITH TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation