vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from XXXX  or TransUnion so they are clearly avoiding their duties as well.

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 2020-08-18 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: CA

Complaint narrative:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from Experian or XXXX  so they are clearly avoiding their duties as well.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
Deposited my ui benefits into a cash ap account. I purchased a new phone and tried to sign in but they locked my account for possible suspicious activity. This was on XX/XX/2020. On XX/XX/2020 they unlocked my account and unlinked my personal info and kept my funds totaling {$1100.00}. Trying to login results in making a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I had an amount of {$430.00} that went into collections for a cleaning fee that I was not aware of after moving out of an apartment. I paid the debt, but am still facing the consequences 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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I am a thirty year member of USAA. On XX/XX/2020 while traveling in XXXX, I submitted a claim for a credit dispute where a vendor did not provide the services I paid for and could not be reached. USAA had requested a cancellation date and there was none because the vendor could not be reached which I stated clearly in the documentation. 

USAA closed my case and failed to accept my communications or communicate clearly with me about its reasons. 

When I returned from being locked down in the XXXX  XXXX I called USAA on XX/XX/XXXX and was told they would reopen my case. They did not and I subsequently spoke with 9 different people who all told me different things including 3 in their highest customer complaint offices, the CEO 's Office. On XX/XX/XXXX I was told by a claims analyst named XXXX that all USAA transaction disputes must have a cancelation date and on XX/XX/XXXX I was told by XXXX XXXX of the CEO 's Office that all transactions must have a cancelation date and nothing further would be done on my case by USAA. I question the veracity of this since it flies in the face of all logic given that many disputed transactions do not involve a transaction in time in this manner. 

More to the point, again : since the reason for the transaction dispute was that the vendor was unreachable, there was no way to cancel my transaction. I told XXXX XXXX that this is USAA 's error and not mine and therefore USAA should reimburse me. He denied this request as well. 

I have since noticed that USAA has been penalized XXXX XXXX dollars for failing to honor customer stop payment requests. Clearly USAA did not reimburse these customers either and makes a habit of this type of offense and has done it again with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citi card on XX/XX/2020 Application ID XXXX. 

I was DENIED for having 1 INQUIRY!!!! HOW?!? 

My credit score is XXXX!!! Ive had Citi for over 12 years now and never been late, I have XXXX XXXX credit lines to $ XXXX and Capital Ones just as much. However Im denied because I had ONE INQUIRY?! 

Thats XXXX 

Ive spoken with their fake reconsideration department and was still denied, theyre saying because I was Approved for a XXXX XXXX a few days prior that disqualifies me for any products?! Thats XXXX!! Im XXXX off!!!

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis shared information about me with XXXX  AFTER a security freeze was put on my file. I am an identity theft victim. Both Lexis Nexis and XXXX  report that I had a chapter XXXX bankruptcy discharged in XXXX. I deny that I had a bankruptcy discharge. Lexis Nexis agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my Lexis Nexis report and Lexis Nexis confirmed placing the freeze on XX/XX/XXXX. I've attached a copy of the report to this complaint. I filed an XXXX  dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from XXXX, XXXX  states that the Bankruptcy will remain on my credit report because Lexis Nexis confirmed that the Bankruptcy listing is accurate. Clearly, Lexis Nexis has released information about me to XXXX  AFTER it confirmed the security freeze had been put on my credit bureaus. 


I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. Lexis Nexis could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I was told by the borrowers defense program that my student loan should be forgiven by Navient. 

I called Navient several times to fix it and try to get my loan forgiven, and they shared they received the paperwork from borrows defense gov program, showing they approved my loan to be forgiven 100 % fully, and they were going to write off my loan and forgive it within 60 days. However after 60 days I did not hear back from them I called back in and they said I would need to apply for a new consolidation loan from Navient before they could forgive my loan. I felt totally mislead by Navient and their tactics to have them try to get more money out of me, and not follow the process of forgiving my loan which was authorized by the borrowers defense program / USA government, and now over 100 days since XXXX of 2020 when I received the letter from the borrowers defense showing they approved my loan to be forgiven fully. 

Please contact me and let me know what I can do to resolve this issue. 
I am not working at this time, and trying to find a place to live due to the poor economy and the pandemic, this has been very stressful time for me. 

In addition, I notice Navient also has a class action lawsuit for miss leading consumers similar to what happened to me. I am very concerned how I was treated and I feel totally taken advantage of by Navient. 

https : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX Credit Card that is under Synchrony Bank. On XX/XX/XXXX, I called XXXX to close the account. I had never registered or used the card so my account balance was {$0.00}. 

However, I noticed that XXXX had opened another credit card account for me instead of closing my original one. Now there are currently two credit card accounts under my name in XXXX. I had no knowledge that another account was opened and I did not consent to opening another account. I also never received the other cards for the second account and I can not log in online to my account to I am concerned about being able to properly close both accounts due to the company 's poor service and malpractice. I am also concerned about XXXX opening another account for me without my knowledge again. These disturbances has also negatively affected my credit score.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied for a loan with Rocket Mortgage. I was initially approved for a XXXX loan. I eventually was approved for a loan up to {$500000.00} with a 3 % interest rate and an estimated payment of {$2800.00}. During the underwriting process I received several documents showing updated estimates of various costs. I obtained quotes for wind loss and peril insurance as well as flood insurance. On XX/XX/XXXX I received the closing disclosure document which showed estimated taxes of {$1600.00} and annual insurance costs of {$3700.00}. However the information that I had obtained and provided to Rocket Mortgage on XX/XX/2020 indicated that my total annual insurance costs would be approximately {$5300.00}. The estimated taxes verified by the property appraiser showed that they could be as much as {$10000.00}. In discussion with Rocket Mortgage associates, on or about XX/XX/2020 XXXX XXXX disclosed that the estimated taxes based on information obtained from the property appraiser would be {$7700.00} without a homestead exemption. The difference in the costs for insurance and property taxes between what was listed on the closing disclosure will result in an increase of {$500.00} or more to the monthly escrow payment. Once this increase occurs, my debt to income ratio on the back end will exceed 43 %. I believe this exceeds the debt to income ratio for a conventional loan. I pointed out issues with the estimated taxes and insurance to Rocket Mortgage staff on multiple occasions including XX/XX/XXXX via email when I asked for an updated closing document with the higher more realistic costs for insurance and taxes included. Eventually I conducted my own analysis and determined that my debt to income ratio with the higher taxes and insurance costs would exceed 43 % and would be closer to 46 %. 

I expressed to Rocket Mortgage staff on XX/XX/XXXX via email that I did not wish to move forward with the loan because I expected my monthly payment would be much higher than estimated and would be somewhere around {$3300.00} possibly more. I requested not to move forward with the loan and asked for a denial letter to stop the closing process. It is my opinion that Rocket Mortgage staff has not been truthful in determining the true monthly payment. They have ignored evidence of higher monthly costs, and ignored the debt to income guidelines. I am being forced to either continue with a loan I can not afford or lose my deposit of {$11000.00}, because of their refusal to decline the loan. Their refusal left me no other option but to withdraw for my own financial safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-18 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 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 XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Recevied notice that an assumed debt was owed by debt buyer Cavalry SPV, LLC in XXXX of XXXX. Sent via signature required return receipt request XX/XX/XXXX & confirmed their receipt on XX/XX/XXXX for Validation via the FDCPA. They failed to validate the account as requested and written notice again sent by signature required return receipt on XX/XX/XXXX to cease & decist collection action and efforts based on this failure and per the FCDPA was sent with confirmed receipt on XX/XX/XXXX along with notice of same to XXXX, XXXX XXXX XXXX. Acct was removed and no further action was received or seen until XXXX, where again Calvary errouniously began reporting to credit bureaus of the assumed debt but sent or made no other collection action. Sent notice again to all agencies and parties in XX/XX/XXXX with no avail. I am sending a final notice to update accordingly to the credit bureaus but wish to file a complaint on Calvary for their actions that further harm my credit rating but give no direct contact for further dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
Loan # XXXX My loan was refinanced through XXXX XXXX on XX/XX/XXXX with a payout the same day. XXXX XXXX Office Manager XXXX XXXX XXXX XXXX NMLS XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold it to XXXX and the new file loan number XXXX with a first payment date of XX/XX/XXXX. XXXX XXXX XXXX They owe me an escrow refund of {$7200.00} and they need to take my account out of a derogatory status. It appears from other consumer complaints, this company has done this a lot with refinances and it does not take 17 days for them to update their records for a payoff and then create credit issues for me. This is also a VA loan so they are messing with a government backed mortgage. I would appreciate this getting resolved immediately. 

Lender has also accused me of not having appropriate insurance ( after they purchased my loan from guaranteed rate - which is escrowed into my loan ) and not my responsibility to show them. However I can. They threatened to charge me for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On my XXXX credit report it says that i owe CONVERGENT OUTSOURCING XXXX from XX/XX/2018 from a XXXX bill. I called XXXX and they state there is no record which could mean the debt was sold. I have not owned a XXXX phone since XXXX i have sent verification of that fact and 3 months ago i contacted CONVERGENT OUTSOURCING and asked them to please verify this debt. I wrote them a letter, i sent an email and i called their customer service line. They have still not verified this debt. Since i have not heard anything back from them I disputed this debt with XXXX. XXXX in turn states that they have validated this debt. I call XXXX and ask could i please have a copy of the validation they received and they state no its private information. No one will give me anything to validate this debt and yet it stays on my credit report and XXXX  refuses to remove it.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I visited XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XXXX XXXX, 2020. I test drove two cars and was given a quote on one. The dealership had a copy of my driver 's license but I did not give them my SSN. I did not indicate that I wanted to buy or lease a car from them, though they asked me to do so. I did not fill out any paper work. I did not want at any time to buy or lease a car from the dealership and never said I would do so. 

On XX/XX/XXXX I got a notice from XXXX that on XXXX XXXX, 2020, XXXX XXXX of XXXX had run a credit report on me. I looked on the XXXX website and verified that XXXX XXXX had made a " new inquiry. '' I never gave them permission or gave them any information that would have permitted that. Their sales manager, when I called him on XX/XX/XXXX, denied they had done anything but copied my driver 's license and had not run my credit. But of course they had. I called XXXX XXXX, which claims their dealers are independent and I need to deal with the dealer. Absurd. response. i told them they have a dealer agreement which for sure requires their dealers to obey the law. and they should enforce it. 

I am filing this complaint that my credit was accessed without my authorization by XXXX XXXX in XXXX XXXX and that XXXX XXXX is responsible for the unlawful action of its dealer. Also at fault are my salesman and his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

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 explanation