vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a mortgage with SunTrust Bank and I requested a forbearance under the CARES Act, so they granted me three months of forbearance. Now, however, they want all three months paid or I will be deemed delinquent. How is that possible? What was the forbearance for under the CARES Act? If I could not pay during the last three months, how do they think that I can all of a sudden pay all three months in one lump sum? Is that how this works? 

Also, I had to file for bankruptcy during this period and now the bank is holding that against me stating that they will not accept a reaffirmation agreement until I pay the lump sum. In effect, they are discriminating against me for having filed bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY 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 2020-06-24 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: FL

Complaint narrative:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. SPRINGLFIN XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY 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 2020-06-24 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliant Capital Management LLC
State: MS

Complaint narrative:
The company called my place of employment on XX/XX/XXXX. I sent a cease and desist letter to them. They sold the debt to Alliant Capital Management on XX/XX/2020. I never received proof of validity from either company. Alliant Capital Management called my place of employment on XX/XX/2020. I am sending them a cease and desist letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I am the court-appointed Trustee of the XXXX XXXX XXXX XXXX. The Trust owns a single family residence located at XXXX XXXX XXXX, XXXX, CA XXXX. There is a XXXX mortgage on the property serviced by LoanCare in the amount of {$130000.00}. The loan number is XXXX. 

The Trustor, XXXX XXXX, died in XX/XX/XXXX. LoanCare has had all of my information for many months, and it has been sending monthly mortgage statements to my office, and I have been paying all amounts due during that course of time. I have attempted on numerous occasions over the past week to obtain a payoff statement on the account, because the property is set to close on XX/XX/XXXX. I have provided a copy of the Trustor 's Death Certificate, as well as a copy of the Court Order appointing me as Trustee of the Trust. Despite these efforts, LoanCare refuses to provide me with a payoff statement. I have advised LoanCare that there is a chance escrow will fall through if they do not provide me with a payoff statement. 

Please help. 

Sincerely, 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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
KIMBALL TIREY ST JOHN, account number XXXX XXXX have wrongfully placed a collection account on my XXXX XXXX XXXX XXXX  credit bureau files.I am not legally or in any way responsible for this debt.KIMBALL ... is collecting for XXXX XXXX apartments. 
I am familiar with this company because I signed a 2 year lease which was in XXXX to help my newly divorced daughter get started.Many subsequent leases were signed by my daughter at this location and that is the nature of this collection from XXXX. 
I am only legally obligated on the original 2 year lease which ended approximately 10 years ago.All real estate contracts must be in writing and I never signed any lease subsequent to the original two year lease.My credit is damaged by this error or fraud of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
Paid off credit card from Chase in XX/XX/2020 and till haven't reported that the charged off account has been paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX | XXXX, CA XXXX XXXX : freedommortgage.com/locations O : XXXX Ext XXXX Hello XXXX, I am having difficulties getting approved by Freedom Mortgage Company. 
First XXXX is the guy that is taking care of the refinance loan, he told me that he guaranteed me that he would get me refinance without a problem, now he is telling me my debt to ratio is too high, I would like XXXX to take a look at the file that Freedom Mortgage has put together and help me understand why I am not able to get approved for this loan. 

XXXX also told me not to pay my current mortgage payment, that everything would be paid off before the 30 days and made me late, now they tell me they can not approve the refinance.. Go figure. 

XXXX says the Underwriter does not want to approve this loan. 
I was already approved through XXXX. 
I can't for the life of me understand why they are not able to approve this refinance. The only reason that I can think of not being approved is because of my XXXX background.. 
Hopefully you can help me understand this process and see if this is the case. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All 3 credit bureaus are listing another XXXX  XXXX debt on my reports I've already paid it through a collection company named the bureaus but because the bureaus know its illegal to buy a debit and come after me for it they listed another one on the credit bureaus as coming from XXXX  XXXX but the address and phone number to contact is the bureaus because I called the number and that's who answered so their either trying to make me pay it again or just putting a bogus one on the credit bureaus. I never had two XXXX  XXXX cards, this is just becoming a nightmare I'm trying to clean up my credit so I can purchase a home and it seems like for every step forward they make me take two steps back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CITIBANK, N.A.
State: LA

Complaint narrative:
due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I purchased a home XX/XX/2019, flood insurance was not required. Now the mortgage company Umpqua is requiring flood insurance. I contact a flood company and they say it is not required. I sent ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) the FEMA LOMA which classifies the property as zone c, not required. They have now added {$4800.00} in flood to my escrow account bring the balance negative. 

Please help me, I am fearful of loosing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/20, I called Discover and asked for the second time that my payments be paid towards my higher interest balance. I have two balances on the card one with 0 % interest. They said I had no choice in how my payments are allocated. I want my entire payment to go towards my higher interest balance NOT the 0 % interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Hi, I contacted Ability Recovery Services this morning about a debt on my credit report that I had previously disputed with both the agency and XXXX University where the debt originated. I clearly stated to XXXX the issue and provided proof, this was improperly transferred to collections. When I tried to communicate that this morning an exceptionally rude woman at the collections agency told me the debt was dispute but she knew it was legitimate. I explained it was not legitimate which is why I disputed it. She told me I had to prove it. I explained I had, and asked for the contact information for the university to see if there was another office I needed to go through. She was exceptionally rude and abusive and should be addressed as that is not the proper way to collect a debt. Additionally, she never verified any information, I never gave her any information and she never gave any disclosure that is given about " this is an attempt to collect a debt any info will be used for that purpose..etc ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I applied for a personal loan on the internet. I received a email and call from the company approved the loan. While on the phone with the company they already had my SSN, DOB and bank information. The company tells me not to check my bank account till they finish depositing the money into mu account. Then tell me to purchase something with my debit card. Next this i know all my money from my savings was taken using XXXX. I notified my bank of everything and they froze my account but they are claiming no fraudulent activity was done and i have to pay back my money that was stolen. They are saying that wrote bad checks and i need to pay them back so now my unemployment checks are being taken each week im not able to pay for anything including daycare for my daughter. My bank with USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
On XXXX/XXXX/2020, I contacted Creditors Collections in regards to a collection on my credit. I was asking questions about said debt and the lady, XXXX XXXX, was VERY rude. I asked if it was possible to get a receipt confirmation via fax, she said " Absolutley not, we never do that '' Okay, how about an email receipt? She said " That will take up to 36 hours '' I Said okay I '' m going to have to check with my advisor and see if that will be okay. ( I'm in the process of trying to buy a home so I needed proof of payment to this collector. ) I called back to pay the {$390.00} on the same day ( XXXX/XXXX/2020 ) I was put on hold for an extended amount of time, XXXX got on the phone with extremely poor customer service skills. Never asked me for my e-mail address and when I brought it up she said " It can take up to 72 hours for you '' .... at this point I told her she was being a XXXX and disconnected the call. I NEED PAYMENT CONFIRMATION ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
In XX/XX/XXXX I applied for a deposit account with Pentagon FCU, simply an account for savings. I did not apply for a credit loan or any other type of credit product. However, a Hard Credit Inquiry was placed on my credit report record with XXXX, as Pentagon improperly performed a Hard Credit Inquiry which has negatively affected my credit score. 

I contacted XXXX XXXX in XXXX of XXXX regarding this issue. 

I have also tried to correct this error by submitting a dispute on 5 different occasions, each time the credit search has not been corrected. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX My XXXX XXXX has been negatively affected as my credit tier should be higher to qualify for lower rates on credit products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX   XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
We borrowed money to buy a car from KIA Motors - loan was for {$12000.00} in XX/XX/2019. 
In XX/XX/2019, we requested the full payment amount - we paid off the full amount by XX/XX/2019 after requesting a full balance due and paying it off. For several months after that, we continued to get monthly bills - we continued to tell the billing person that the amounts have been paid off. We even received a letter from KIA Finance that the loan has been paid off. However, the calls continued each month with a new person calling. 

We were recently denied credit and when we requested some further information, it turned out that KIA had reported a dispute and a balance outstanding in the approximate amount of {$310.00} which had caused our credit to be denied. 

We called them at their 800 number today and were told that we owe them approximately {$310.00} and we were not allowed to speak to a manager. The conversation was very abrupt and we were given no options including any accounting of why we owed the balance after we had paid off the loan, received confirmation that the loan has been paid and the title has been released. However, the person on the phone said that the title is not released in their system and that we owe them the money. He refused to allow us to see the documentation of the calculation and just said that we had to pay the money. He said that his record showed that the manager had communicated this to us earlier and was not ready to share the reason for the owed amount but we do not remember or recall such a conversation. 

Attached are the documents.

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