vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: AL

Complaint narrative:
I sent a letter onXX/XX/XXXX to Spotloan to revoke ACH authorization any further. Then today I find that money has been debited from my account anyways. I also sent another letter stating at the top that the original was sent on the date above. I got a response but no acknowledgment about there being a prior letter for ACH revocation. 

It reads this : Date ___XX/XX/___________ Name_XXXX XXXX ___ Address_XXXX XXXX XXXX XXXX___________ Email_XXXX_____________ Attention Payment Department Lender Name_Spotloan _____ Fax : N/A_____________ Acct No. __XXXX_______________ To Whom it May Concern : I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers and NACHA  regulations amended XXXX. I am revoking any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from 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 2020-04-24 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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from 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 2020-04-24 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
We lost our home to a fire in XX/XX/XXXX. With the initial insurance proceeds we paid off our existing mortgage with a different mortgage company, liquidated the majority of our funds in an IRA account, and rebuilt our home. The construction was complete, all contractors paid, and we moved back in XX/XX/XXXX. We had no General Contractor, and everyone who worked on the rebuild was paid as agreed, but we did not obtain official " pain in full '' invoices. 
We closed on our mortgage with Flagstar in XX/XX/XXXX. 
In XX/XX/XXXX our insurance company released the final holdback funds in the amount of {$46000.00}, and because Flagstar is now a lienholder on the property they need to endorse the check. 
Every interaction I have had with Flagstar 's Loss Draft department has resulted in a different set of requirements to release the funds. We have had an additional inspection with pictures, produces invoices we had, and instructed our Adjuster to submit all documentation we had provided ( including cancelled checks and original contracts ), that was submitted to the insurance company to prove they were paid. 
On XXXX I was told by Flagstar ( XXXX ) that I would need the Conditional Waivers of Lien completed, and that would satisfy the requirement. 
On XX/XX/XXXX I was told by XXXX the same. 
on XXXX I was told by XXXX that 3 of the Conditional Waivers needed to be amended to include the contractors ' Tax ID numbers, and an assertion that all work was completed per the estimate. This was submitted. 
On XX/XX/XXXX ( a State Holiday ) at XXXX I missed a call from XXXX and she left a message that they had tried to reach out to one of the contractors to have him submit a paid invoice. 
On XX/XX/XXXX I spoke with someone at Loss Draft who told me that I need to get official paid invoices from ALL of the contractors. 

We are getting frustrated with the continuously moving requirements, and the contractors are long past frustrated with the constant requests for additional documentation.

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 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Back on XX/XX/2019 I submitted a complain against Capital one for a negative hit on my credit due to missed payment in XXXX of 2019. I know for a fact that I logged onto the system and made a payment at www.capitalone.com and that there must have been a system error and my payment was not posted. As you can see I have impeccable payment history with them with my credit card. I also have a auto loan through them with the same excellent payment history. It does not sit well with me knowing that this may have been a system error and that they are not willing to reverse this negative hit on my credit report. I am again appealing the decision asking them to take into consideration my payment history with them and reverse this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help 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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
I contacted the collection agency L J Ross as well as XXXX XXXX XXXX. both would not remove this fraudulent charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX the bank received a refund from the county on my taxes in the amount of {$7500.00}. I have still not received a refund and they can not tell me when it will come they say like XXXX. Also I asked that my house payment be reduced to reflect the amount of taxes I pay Now which is {$550.00} versus {$3300.00} And they refused to Reduce my payment until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I paid my Chase account in full on XX/XX/XXXX. My statement date was XX/XX/XXXX. Chase assessed me an interest charge on XX/XX/XXXX. Assessing interest on a closed account with a {$0.00} balance paid in full before the statement date is borderline wire fraud. Chase needs to refund this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-24 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-04-24 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: TX

Complaint narrative:
Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help 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 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
The lender keeps messing up on my income even when I clarified their questions. 

I don't know what else to do at this point and they are just trying to take my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Nelnet, Inc.
State: AR

Complaint narrative:
Nelnet reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is a closed account which has been discharged under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. Please have my credit reporting with the accurate accounts. Have all the derogatories off my credit file.

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 2020-04-24 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Around the end of XXXX, I first attempted to have a freeze on my credit with Experian lifted by completing their online form, but was unsuccessful. I was then informed that I would have to mail a copy of my Social Security Card, Driver 's License and a current bill with my mailing address ( which I did on XX/XX/XXXX ) in order to be re-issued a new PIN. 

Since then, I have called the Customer Service number at experience at least 5 times to request that they lift the freeze on my credit so that I can apply for a refinance of my home mortgage.Thus far, I have been unable to contact anyone at Experian to request a new PIN or to have the credit freeze lifted.

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 2020-04-24 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I called XXXX to inform them I will not be able to make a payment due to my office being closed as a result of the Covid-19 crisis. I asked to defer the payment & the agent informed me they are not able to do so. He stated for me to call after my account is delinquent for assistance. My payment was due on XX/XX/2020 and I did not make the payment. On XX/XX/2020 I received a call from the agency asking for the payment. I informed them I am still furloughed & again asked to defer the payment. Again I was denied. Today I received a call from their agent again asking for payment. I informed the agent I still have not returned to work & I am unsure of when I will be able to pay. The agent then asked me what is the status of my stimulus check. I did not have to but I informed her I received it but used it to pay my rent so my children & I could have a safe place to stay. The agent then responded by saying she guesses I do not need the car because it will be reposed due to none payment. 
The Covid-19 crisis is affecting the world and I am doing my best and I have tried my best to get the agency to assist me but they have not and now I am being threatened with my car being repossessed. I was under the impression that the banks/loaning agencies were supposed to work with us because of this crisis. Please assist me in resolving this issue. I do not want to get my car for free I just want the payment for XXXX and XXXX to be deferred for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
I believe that I am receiving a letter from a scammer indicating that I owe {$99000.00} in student loans with a payment of {$15000.00} due now. With numbers like these I believe this letter is coming from a scammer because I have been managing my student loan debt with a well-known student loan creditor. Ive never heard of global radius solutions and the amount of debt is totally unrealistic and would appreciate your help on dealing with this letter I have attached to this complaint.

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 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
When I received my XXXX statement it stated that I was one month behind in my mortgage. The problem with this is that I have my mortgage payment taken out of my bank account every XXXX of the month. I called Fay Servicing and customer service told me I was current. I receive another statement stating the same thing and I sent it to my service provider Mr. XXXX XXXX. I sent an email on XX/XX/2020 and I never received a response. Today I received a statement saying I owe {$5600.00}, but on the back of the statement it shows that I paid XXXX in the amount of {$2800.00}. This statement is dated XX/XX/2020. 

I tried to call Fay Servicing 6 times and was disconnected each time after holding for over 15 minutes each time. 
Although Fay Servicing says I'm current I keep receiving notices saying I am behind. Since Fay Servicing has refused to speak with me and rectify this matter I have no choice but to reach out to CFPB and pray that you can assist in resolving this issue.

Company response to consumer: Closed with explanation