vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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 cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
This complaint is being filed against Cardinal Financial due to a dispute over {$4800.00} that is incorrectly included in the loan amount : 2020 property taxes were fully paid to XXXX prior to closing new mortgage. The check from previous lender was dated XX/XX/2020 and the city of XXXX recorded the taxes paid in full on XX/XX/2020. 

Cardinal Financial errantly included final tax payment as part of loan when it was already paid in full. This was in the amount of {$2800.00}. Date of closing was XX/XX/2020, 6 days after taxes were recorded as being paid in full. When Cardinal Financial was  questioned about this discrepancy, they stated a check was sent to the city of XXXX for the final tax payment but the city of XXXX has no record of receiving that check as of XX/XX/2020. As of XX/XX/2020, we have not received reimbursement of these additional funds. Check number and tracking info has been requested numerous times and Cardinal refused to provide. 

Cardinal Financial requested the payoff statement from previous lender on XX/XX/2020, which expired on XX/XX/2020. A new payoff statement was not requested prior to closing on XX/XX/2020. This resulted in the payoff amount being greater than the actual amount owed resulting in the new mortgage being incorrectly inflated. The difference between what was owed to the previous lender due to the lack of requesting a new payoff statement is {$1500.00}. 

Per the records on Cardinal Financials secure website, on XX/XX/2020 the loan principal balance was stated as {$140000.00}, a principal curtailment was posted on XXXX XXXX in the amount of {$1600.00} resulting in a principal balance of {$140000.00}. However, the loan was sold to XXXX XXXX on XX/XX/2020 in the amount of {$140000.00}. Cardinal was alerted to the difference in payoff amount and tax payments, Cardinal assured us that this would be corrected at closing. Accurate closing loan amounts were requested, however, never received. After the loan closed, Cardinal has been unresponsive to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
My husband passed away XX/XX/19 & I paid off & closed The account in XX/XX/2019 A charge came thru the account XX/XX/19 from a company that my husband had an annual payment set up that I knew nothing about & when I received a bill for it I called & ask how could they accept a charge on an account that was closed. They said it should not have happened & would take care of it. Ive had to call over & over final hot a letter telling me I would have to pay it. PLEASE HELP ME! THIS ISNT RIGHT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The company repeatedly calls using piggy backed numbers as to trick you in answering the phone. They also abuse you verbally - I have repeatedly requested to send me a statement or a mailing - I get nothing. They continue to call my relatives looking for me when they know XXXX well where to find me - as I have spoken to them in the past. A little understanding due to the world events would be nice but they have no niceties with them - they are disrespectful, harassing and must be stopped.

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 2020-07-28 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 cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2020-07-28 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 cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2020-07-28 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED 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 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute with TransUnion on XX/XX/2020. I was informed by their telephone support representative that the results were mailed on XX/XX/XXXX to my PO Box . According to my USPS Informed Delivery account, the mail piece arrived on XX/XX/XXXX, but my postmaster says it was misdelivered to a different PO Box and can not be recovered. After another call to TransUnion. I was told that results can not be re-mailed, and that they are not responsible for post office errors.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Using the US Government 's Social Security Administration 's website, I attempted to create an account. That account is know as : " my Social Security ''. The SSA website will not allow this. Reading at that website about the SSA 's " Identity Service Providers '' or XXXX, Experian and XXXX XXXX, I see that I should dispute a credit report. To do that, I try to obtain an annual credit report first from XXXX. There, one can select any or all of the three credit reporting services. I first selected XXXX. I fill in all the required online information. XXXX  returns a result and my request is denied. I then call the ConsumerFinance.gov telephone. In speaking to an agent, she says to try Experian. I returned to the XXXX webpage and enter my name, and details and ask for Experian. It returns a no-can-do as did XXXX. I have done this for several years and each time, I get a no-can-do. I am trying to establish an online account with the Social Security Administration. I can not do this as I can not see what is missing from my " credit report '' for the Social Security Administration.

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 2020-07-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax did not update the Status field. The accounts are paid as agreed under the new contract but in Equifax the status field is still showing as " Charge Off '' and " Collection Account ''. These accounts were paid as agreed, under a new payment plan/contract. When Equifax shows " Charge Off '' on the status field it gives the illusion that these accounts were not paid when in fact they have been paid. Therefore the status field is a false statement as it is not the current status of the loan. If the company was paid as agreed on the secondary contract, then the Status field should reflect that. This is how the other reporting agencies handle these type of cases. Again, it is a new contract and it is ok to show under additional field section the original contract information which is " paid for less than full amount ''. However the current status of the loan should be what is reflected under the status field which is " paid as agreed '' under the new contract. 

Equifax only added an additional comment on the file which is pretty much useless because additional information is not showing the actual/true status of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
In XX/XX/2020 I refinanced my home and XXXX   XXXX/CrossCountry mortgage became the servicer of my home loan. 
In XX/XX/2020, I called customer service to ask about enrolling in biweekly payments. They told me I had to wait until I had made the first mortgage payment and made NO mention of any fees associated with me simply splitting my monthly mortgage payment into biweekly payments. 
Today, XX/XX/XXXX, I called customer service again. They said I would have to fill out a form [ which they emailed to me ] and said I could NOT simply submit biweekly payments without filling this form. They said those payments would NOT be applied as intended and would be considered " short payments '' and held until final monthly payment was received. They made NO mention of a fee associated. 
Once I received the email with said form, it stated clearly and multiple times that I was required to pay a {$150.00} FEE. 
I called customer service back and asked to speak with a supervisor. She repeated the above information and said that it was " non-negotiable '' to dispute this fee. 
I told her this is a SCAM and they should be reported for such price gouging! I have paid home mortgage payments for most of my adult life! I have never encountered a bank that charges any fees, much less a fee of {$150.00} to simply " allow '' me to make my payments in a biweekly fashion. This fee should be illegal and this bank should be held accountable for scamming it's customers. This would always be an egregious charge -- but now during this economic turmoil and the largest unemployment rate, it is even more CRIMINAL that this bank is trying to scam {$150.00} out of it's customers. 
It is my hope that the Consumer Financial Protection Bureau can help me exercise my right to simply make biweekly payments for my mortgage payment and NOT allow this bank to charge this fee. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
This complaint is very simple and is a FCRA violation. National Credit Systems is reporting the incorrect date of first delinquency, a clear violation of FCRA. National Credit Systems, a collections agency, is attempting to collect for XXXX XXXX XXXX. The date of first delinquency with XX/XX/XXXX was XXXX. National Credit Systems is reporting date of first delinquency of XX/XX/XXXX with all three credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX).  This is a clear FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Totaled a car in XXXX. Loan was paid by insurance company, the remainder of the balance to be paid by gap insurance company. Td auto refused to work with gap insurance company, taking months to mail documents, which to this day have not been mailed. Ive called and complained many many times and never received any mail or call backs. Td auto put on my credit report late payments and charge offs for the entire time they refused to work with the gap insurance company and will not return their calls or my calls. I want charge off and late payment off my credit report as the account is paid in full since XXXX of last year. After calling and being told Id receive call backs, Ive heard nothing as usual from td auto. They will not mail pay off letter even though Ive requested it 3 times. All customer notes in their system will show how many times Ive called them and begged for customer support to help and send over documents to gap insurance with no response. Last phone call I was hung up on after asking for a supervisor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reported hardship to XXXX XXXX in response the COVID pandemic during the month of XXXX. XXXX XXXX  initiated the forbearance under the CARES ACT but still reported the month of XXXX as delinquent to all three credit bureaus. I have disputed this with all three credit bureau 's but they were unsuccessful at removing the derogatory remark. I have also reached out to XXXX XXXX  but they have been uncooperative in helping to remove this inaccurate remark on my credit report. I am now unable to refinance my home at a lower rate due to this report as VA require no missed payments in 12 months. Your help in this matter is greatly appreciated.

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 2020-07-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX of this year ( 2020 ) we purchased two plane tickets on XXXX for myself and our son, totaling {$2600.00}. 
On XX/XX/XXXX XXXX canceled the flight on account of COVID 19. 
Under the Department of Transportation rules and XXXX 's own terms of service, we are cleary owed a refund. 
We attempted to receive a refund from XXXX, they refused. We filled a complaint through the Department of Transportation ( Case Number : XXXX ), XXXX again refused. So we filed a dispute with our Credit Card company, CapitalOne. 
After about a month of back and forth, CapitalOne ultimately chose not to enforce either the Department of Transportation 's order or XXXX 's own International Tariff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a notification that my credit score dropped 8 points. When I looked into the reason why, It states that as of XX/XX/2020, my balance with US Bank Home Mortgage increased {$630.00}. I have been in the COVID mortgage relief suspension program since XX/XX/2020. I'm not sure why my balance has increased when I am currently in a program that provides mortgage debt relief.

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 2020-07-28 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: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
Re : CREDIT REPORTING ERROR. Misreporting Military Star data reporting to XXXX and XXXX includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.

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 2020-07-28 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED 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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this report is to let you know about the situation I have with my credit file some one took al my documents from my car and open fraudulent accounts.

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 2020-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.

Company response to consumer: Closed with explanation