vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: C/C Financial
State: MI

Complaint narrative:
I contacted Prefer lease concerning the issues onXX/XX/XXXX.To resolved the problem.I sent several disputes one threw the mail and one online.They are refusing to close the case and I paid them XX/XX/XXXX.Which I was told it would be close almost 6 months.There trying to get more money out of me XXXXEven thou we had agreement .I paid them XXXX on XX/XX/XXXX. Reference No.XXXXI feel they taking advantage of me during this Pandemic.I experience hardship doing theses time.I was out of work for almost a year.Please help me because I can't get any answers.My name is 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 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 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 explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Garrison Investment Group
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One charged my account twice for an item I purchased through XXXX. Capital One closed the account and issue the a credit. However two months later Capital One charged the new account with the same charge. I called back and spoke to a rep by name XXXX. She told me Capital did NOT consider the charge fraud because I provided the account number to XXXX despite the fact that I was charged twice for the same item. XXXX from Capital One contacted XXXX employee/supervisor who promised to credit back the account. However that did not happen and it has been over one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My identity was stolen in 2019 and i need 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 explanation
Consumer complaint received 2021-05-10 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: NY

Complaint narrative:
I would like to inform you that I have strange activity in my credit report. It seems like somebody just filed fraud accounts I can not understand how that possible. But I kindly asking you to delete them all as these account and inquiry are not mine.

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 2021-05-10 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: NY

Complaint narrative:
I would like to inform you that I have strange activity in my credit report. It seems like somebody just filed fraud accounts I can not understand how that possible. But I kindly asking you to delete them all as these account and inquiry are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NC

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file 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 2021-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
On XX/XX/2021, Navient contacted my aunt, who is not related to my accounts in any way shape or form, regarding my account and reference number. This happened years ago and I reported them then as well. This is completely unacceptable and bizarre as she has never helped me in any financial fashion. I don't know how they got her phone number or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Someone had submitted multiple fraudulent applications with multiple banking institutions, including with SYNC/BELK, SYNC/DICKS SPORTING GOODS, XXXX and XXXX XXXX. ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on 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 non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NM

Complaint narrative:
I consolidated my student loans in the Fall of 2017. I had been in default on my student loans for over 14 years, and none of them reflected on my credit report. After consolidation all but one of the Department of Education servicers correctly reported my status to the CRA 's. For unknown reasons Heartland Educational Computer Systems Inc. ( ECSI ) incorrectly listed the loans as delinquent for 3 years ( XXXX ). I disputed the information with all three credit agencies and Heartland ECSI did not retract the ineligible information. I've contacted Heartland ECSI repeatedly and they acknowledge the data is incorrect and advised that a " Supervisor '' will contact me at a later date. No one from Heartland ECSI has ever attempted to contact me. At this point the negative reporting is preventing my credit rating from rising to the Prime rate. I'm currently a XXXX  in the XXXX XXXX here at my University. This may inhibit prospective employers from hiring me. I would rather not file a complaint, but I don't see any other alternative to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Was not notified of investigation status or results
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Merchants and Professional located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Merchants and Professional has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a a dispute to Equifax I contacted XXXX XXXX XXXX agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. XXXX XXXX was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America debit card was charged {$1300.00} from XXXX to XXXX. I submitted a claim to bank of America to have the money reimbursed. They did not side with me and stated the charge was authorized by me or by someone that has permission to us the card or account. This is not true. I did not make these charges. I appealed the decision, but I doubt the outcome with be different. It could take up to 45 days to get a result. In the meantime that {$1300.00} was supposed to be used to pay bills, and now I can not pay them. I asked that someone from the research dept, that makes these decisions, call me. I do not expext a call. Please help to get my money reimbursed.

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 2021-05-10 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: NC

Complaint narrative:
I contacted the credit bureau on several occasions and made them aware. 
The credit bureaus instructed me to come here to file my dispute before they could remove.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Good day! 

We would like to file a complaint to Fay Servicing because until now they can't provide an update on when we can get the approval letter. 

We got an update from Fay Servicing that they are countering the offer to {$260000.00}. So we submitted the acceptance of the counter offer on XX/XX/2021 but until now there is no progress. 

We want to get the approval letter ASAP because the buyer wants to close it this month. 

Please help us escalate this issue to the lender because every time we call their office, there is no progress and no updates from them unless we file a complaint here in CFPB. 

We greatly appreciate your help. Have a great day ahead!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NY

Complaint narrative:
Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?

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 2021-05-10 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: NY

Complaint narrative:
Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I written too the credit bureaus several times about the Capital one, that continues to report payment history as charge off since being charged of two years ago XX/XX/2019. Its ruining my credit as if the company is purposely doing this too affect my score, I'm trying too purchase a home as i am a single mother that wants too correct my wrong doings and move forward in my life. Please have this account deleted. Also they have that i was late 150 days XX/XX/2019 on XXXX 120 days late on XXXX  twice XXXX and XX/XX/2019. They show several inaccuracies with this account, Yet the credit bureaus refuse to fix or delete. I will attach my credit report too show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
We first received a letter from this company named " Credence XXXX XXXX XXXX ''. The letter we received was a bill that was summed up to {$3100.00} XXXX. This bill was supposedly for the XXXX XXXX XXXX as a creditor. We searched up the website online " XXXX '' it was very suspicious on first sight. Instead of a log in, or a first time user, it asks for a " XXXX XXXX  XXXX ''. Upon clicking that link it asks who is your creditor is. Upon the options ours as " XXXX XXXX XXXX  '' was there, there also was XXXX XXXX XXXX, XXXX and XXXX, etc. Which we found even more suspicious because those companies require account information to pay off their bills. After accepting their terms it instantly asks for checking and or credit card information. We called this company via the phone number provided in the letter around XXXX XXXX  of XX/XX/2021. Between their call hours. An person with a heavy XXXX accent said you have to at least put a down payment of {$1000.00} or more for a discounted price on the balance. We did not put any payments and we hung up. We would like some help to verify this " Debt Collector Agency '' to make sure its legitimate or we should avoid this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have a mortgage for a property in Florida with Lakeview Loan Servicing. When I first acquired the mortgage I was forced to take private mortgage insurance ( PMI ), but the property has appreciated in value exponentially and it now meets well in excess the 75 % property-to-loan value. This company is sending me letters asking me to refinance with them stating the property value has gone through the roof. Meanwhile, when I call them to remove the PMI from my payment, they refuse telling me the property is valued at a much lesser amount than what they state in the letters they send me. Their premise is that, basically, the house has not increased in value since I purchased it 5 years ago, as if they did not know what currently is going on with the Real Estate market throughout the nation.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My home was put into forbearance of XX/XX/XXXX. 

I was suppose to close on my home in XXXX of XXXX but it was brought to my attention that I owed {$8800.00} for my back property taxes in XXXX. My Settlement statement from Flagstar on XXXX XXXX states that my escrow advance balance to flagstar was {$10000.00}. 

I was not allowed to close in XX/XX/XXXX because of my back property taxes. So I had to get a loan to bring that amount to closing. So that caused my deal to fall through I got another offer for a higher price so I was able to move forward to close in XXXX XXXX. I received my second Settlement Statement on XX/XX/XXXX and flagstar had decided to pay the whole property taxes in advance for the year XXXX in my escrow account. Flagstar told me they did this so I would not have a lien on my home. So if you look at the Settlement statement on XX/XX/XXXX escrow advance balance to Flagstar is {$20000.00} compared to only {$10000.00} in XXXX of XXXX. Almost XXXX increase in just 2 months. I only owed property taxes for XX/XX/XXXX for the year of XXXX. They charged me for the whole year. 

I have both settlement statements and the emails from the title company stating that Flagstar did increase my escrow balance for XXXX. XXXX was collecting all XXXX taxes for payoff and then Flagstar would have to reimburse me for XXXX taxes. Flagstar refused to adjust my payoff balance and demanded I bring all of XXXX property taxes to closing. 

Title company also stated FlagstaXXXX did not turn the taxes in. Title company agreed that is was not right that Flagstar forced me to bring all of XXXX property taxes to closing since I was about to do a payoff again. 

So I will be needing my reimbursement on property taxes for XXXX XXXX XXXX or I will be getting an attorney and contacting Consumer XXXX XXXX XXXX for fraud. Flagstar has withheld my reimbursement since XXXX of XXXX I have included the email conversations with my real estate agent and escrow officer discussing the XXXX property taxes. On how they were collected and never turned in. This is complete fraudulence

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