vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this Navient mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

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

Complaint narrative:
I have contacted Credit Bureaus/Agencies ( Equifax and XXXX ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was preapproved for a USDA loan XXXX 2021. Went under contract for a home XX/XX/2021. Was made to switch agents bc the builder required you use his agent of choice. So switched to XXXX XXXX with Homestar financial. We spoke and he said USDA was a go. I spent over XXXX dollars on upgrades for the home thinking i would be okay with closing costs, etc based on USDA loan. Three days prior to closing i was told i would not qualify for usda and that i would have to go FHA requiring an additional XXXX dollars at closing which was now pushed back to XX/XX/XXXX. I tried to explain to them that my income varies and that they were not calculating it correctly but they would not listem. The change also increased my mortgage payment making it higher than i wanted. I had already invested in upgrades that were non refundable so could not walk away. On XX/XX/XXXX about 30 minutes prior to closing was told i had to have an additional XXXX dollars in order to close. I essentially emptied my savings leaving me nothing left. DUe to the fact i had to use him i could not utilize several XXXX or first XXXX XXXX available to save money. Not to mention the last minute changes left me no time to even be able to try and figure out other options. When i got to closing on XXXX they crossed out some areas and hand wrote on the disclosure which was very confusing. Instead of first payment being due XXXX like it shouldve been it was pushed up to XXXX leaving me 3 weeks before my first payment was due ( which is late ). They also required a years worth of escrow in my escrow account which i have been told is not the standard amt. I am broke, and risk losing this home bc im late with my payments. The whole process was a nightmare and now i am in a position where i dont know what to do. It is not right.

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

Complaint narrative:
I have issues with the way this is being reported as it is damaged my credit. The car was repo transunion and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while transunion is no showing XXXX. Transunion and XXXX are reporting as auto loan and XXXX is not reporting at all. Transunion has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

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 2021-10-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory equifax says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. Equifax is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and equifax are the same while transunion is no showing XXXX. XXXX and equifax are reporting as auto loan and equifax is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

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

Complaint narrative:
I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on Experian and XXXX are the same while transunion is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

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 2021-10-10 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: TN

Complaint narrative:
I have contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted my $ XXXX loan application after paying XXXX in escrow. I applied using the lender that the sponsor wanted me to apply with GuaranteedRate and have been in constant contact with the morgagte consultant in providing them with the documentation they need from me up through XXXX. On XX/XX/XXXX, I get an update from XXXX telling me that my file should be approved this week. 

Then on XX/XX/XXXX, XXXX tells me " So hold off on binding anything we are having a little trouble with your approval, XXXX is looking into it, and will be in touch. '' I send several emails asking what exactly the issue is but did not get a response.I talk to XXXX over the next 2 week who tells me a different issue holding up the approval : 1. Condo occupancy ( % occupancy ) 2. Confusion about the tax amount amount and asking me what the amount is 3. Telling me that I need to lower the loan amount I am applying for and also pay off my existing credit cards. 

Okay, call me crazy but if I need X dollars and they are offering me less than X dollars thats essentially a rejection. After finding this out, I immediately contacted my attorney to let them know and also ask XXXX to issue me a formal notice to which he refused. 

It is XX/XX/XXXX now, 5 days away from closing and I still have not received any formal notificiation ( approval or rejection ). If i don't get this letter, Not only do i lose my 10 % deposit i put down for the house I bought but I also purchaesd something I can't afford. 

I am a first time home buyer and this has caused me so much stressed over the last 3 week that I haven't been able to sleep and it is impacting my work. 
Help!!! 

I had moved to XXXX based on my agent saying this process will close within a month. It hs been over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase SUSPENDED my online banking after SUCCESSFULLY and PROPERLY sending multiple XXXX transfers EXACTLY AS I INTENDED, but felt that they knew better than additional transfer as it was " suspicious '' and FROZE my online access, rendering me COMPLETELY UNABLE to conduct business as a real estate broker and property manager - REQUIRED BY STATUTE AND BINDING CONTRACTS to pay property owners BY THE XXXX OF THE MONTH. I called Chase, ONLY FRAUD Department can help me. They are closed on Sundays! It is a HOLIDAY WEEKEND - Customer Service says Fraud IS open on a bank holiday - so, the moral here is commit fraud on Sunday as Chase is not open to catch you or help those victimized? MAKE NO MISTAKE - THERE IS NO XXXX FRAUD - the only " Fraud '' here is Chase. For the love of XXXX, Chase, you make XXXX XXXX look good now, and that is about near impossible I thought!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company
State: VA

Complaint narrative:
RECEIVED A LETTER FROM: FROST-ARNETT, XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX, ATTEMPTING TO EXHORT XXXX FROM ME AND THRATENING LEGAL ACTION.

I DO NOT OWE MONEY TO ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a phone call XX/XX/21 at around XXXX. They said they were portfolio recovery but would not tell me what I owed. I do not have any debt and they didnt have me verify myself in any way. All they asked very quickly as soon as I answered the phone is are the last 4 digits of your social security number XXXX. I asked who am I speaking with they said its an attempt to collect debt. That they were with portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the Legal Guard to my brother XXXX XXXX XXXX of XXXX, AZ. I have been his legal guardian since XX/XX/XXXX. The Guardianship was set up in the Superior Court of Arizona. At that time, I opened a Guardianship Banking Account for my brother at Chase Manhattan Bank, also in Arizona.

I have managed my brothers affairs for 5.5 years without incident. My Guardianship is renewed annually by the Court. I am on Social Security Administration documentation as XXXX 's XXXX and financial point of contact. I live in XXXX, CA. 
XXXX received COVID payments in XXXX. In XX/XX/XXXX i moved part of his COVID money into a savings account with the assistance of a Chase rep in XXXX, CA. The amount was only {$1600.00}. 
On XX/XX/XXXX ( see attached docs ), Chase placed a HOLD on the account and it has been on HOLD ever since. No formal explanation provided. 
I've visited the Bank several times ( see attached doc showing appointments ) and no one seems to understand why there is a HOLD. Even the local Bank Manager can not figure it out or get someone on the phone to explain. Some " shadow department '' keeps asking for documents i have previously supplied ( Court Orders, etc. ). ' I have requested, in writing, for Chase to outline the problem is so it could be addressed. There has been NO RESPONSE. The money is for my XXXX  XXXX brother 's full time care and should there be an emergency, I can not access it. I am furious at Chase holding the $ $ of a XXXX  XXXX person and not providing a clear explanation to me as Guardian. I'm worried they'll make me get a lawyer to release the small amount of $ $ and legal fees could actually eat it all! I am a competent, educated person and this has me furious and flummoxed. I can't imagine how some, were they XXXX or XXXX, would be expected to navigate this morass of incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still havent heard a response.

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

Complaint narrative:
I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
My bank Union Bank, charges a {$10.00} fee monthly fee if account falls below a certain amount. You can avoid that fee if you combine your accounts and they meet certain requirements. I combined my two checking accounts XXXX, account assessed, and XXXX. Usually their totals avoid the charge. Some times the totals don't, but another exception is if combined accounts have direct deposits of {$500.00} or more. My Social security is direct deposited monthly to account XXXX and it is over {$2000.00}. When I raised this with Union bank they credited my account for one fee ( thus admitting their error ), but would not for a XXXX charged fee. Basically it admits it was wrong, but will not go back 4 months to correct their illegal charge. {$10.00} is not going to kill me, but what concerns me is XXXX is probably ignoring this exceptions on other customers combined accounts as well and thus making $ XXXX of dollars every month in fees improperly assessed. They need to be called on their illegal game and I would also like my {$10.00} back. I'll drink to your health with it. 







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 monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I recently got a new phone still have same number I log in to the app then it ask to verify number I cant receive sms I have contact company but only automated responses can you please help thank you phone number is XXXX XXXX XXXX email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Financed a XXXX XXXX back on XX/XX/XXXX with a monthly payment of {$540.00}. I was informed the monthly payment that was divided into bi-weekly payments will help lower the interest rate of 22.99 % if paid on time and be able to pay off early. Initially the car purchase was {$15000.00} and the total amount financed was {$20000.00}. I've paid a total of {$19000.00} to date and still have a remaining of {$16000.00} ; which is incorrect. The early payoff option available is {$12000.00}. I've paid more than 90 % of the financed amount and should be given the option to pay {$920.00} to pay off the loan in full. I was informed misinformation and the account was set up with payments to reduce the length of the loan.

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 2021-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I own XXXX XXXX, XXXX. We received a Paycheck Protection Program loan to stay in business. It was for {$290000.00}. We spent 100 % of these monies on forgivable expenses, overwhelmingly payroll. 
Due to limitations in Capital One 's IT systems -- the systems they require us to use -- we were informed that we should sign a docusign that shows that we both owe ~ {$31000.00} on the loan AND ALSO that the SBA calculations show we are fully forgiven. I subsequently received an email from Capital One showing that I am being laden with the loan. This is vexing for several reasons, but in addition to the confusing document, Capital One 's IT systems were not set up to receive legally valid documentation supporting our payables as forgivable.

We also have personal communication with our banker than we would be fully forgiven for this amount. Moreover, in the attachment, the loan is shown as being not fully forgiven -- Capital One 's calculated " loan forgiveness amount '' on page one is {$250000.00} ; however, the SBA calculation on page 5 is for the full amount of " {$290000.00}. '' We have been repeatedly told that SBA makes the decisions for award and management of the decisions and that Capital One is functionary in nature to facilitate the loan ( for which they were paid 5 %, or {$14000.00} for just this loan ). This is a gross mishandling of the PPP loan. Make no mistake -- I'm grateful for the PPP loan. It's kept me in business ; however, the business landscape for small businesses like mine ( think residential contracting ) is perilous. Tacking on a surprise of $ 30k+ is unwelcome, and I believe unlawful.

Company response to consumer: Closed with explanation