vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: IL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I keep getting harassed by someone claiming to be a process server on behalf of XXXX XXXX from XXXX XXXX XXXX @ ( XXXX ) XXXX x XXXX. 

They are claiming that I owe a debt and is threatening to take me to court or arrest me. They left me messages detailing my Name, Date Of Birth and address. 

This has to stop.

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 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Asset Recovery LLC
State: NC

Complaint narrative:
# 1 - They call at all times of the day from all different phone numbers.

# 2 - It is on my credit report for the same credit card, yet for 2 different balances. One is for {$960.00} and the other is for {$880.00}. I have disputed it but I still have not heard back from them. I only had one XXXX XXXX XXXX I'd like to make a payment arrangement with them, but the collection agency reps do not understand that I live on just a small XXXX check. I can only do what I can do. They are XXXX and I would rather not speak to them at all.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is displaying a Foreclosure remark and balloon payment amount on my Experian Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX and Experian ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my Experian report. Every time I dispute the inaccuracy on Experian, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my Experian report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my Experian Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my reportXXXX XXXX XXXX XXXX and Experian did nothing. The inaccuracies remain.

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 2021-01-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have made many many complaints to CFPB regarding a Chase card and fraud in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully Chase will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from Chase offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Around XX/XX/XXXX I started the loan application To refinance my home, the home that I had bought on XX/XX/XXXX and that I had Finance with the same bank which is Ally bank after XX/XX/XXXX I provided all the paperwork I was requested I was preapproved and further into the loan I had locked my rate, days before closing I was requested additional proof of income, I am self-employed, since that request I was even requested more proof of income additional proof of income in my eyes I had already put it all the income that he requested he got to the point where I felt my application was in jeopardy My loan was in jeopardy, I spoke to several managers in via email I got in contact with escalations team which said to in writing they bank made a mistake and that they dont give loans to people that do XXXX to my surprise. 
Which I know is not true.What I am requesting from the bank is to complete and process the loan of refinance with the terms I was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX sent me to collections after I canceled with them and they still went and charged me for the following month. I do not owe them money and I have explained this to the company so many times and now it's on my credit report as a collection account through IC System. I've disputed it on there as well, and I got nowhere. I don't owe this bill. The amount is {$170.00}, I don't have an account number or anything.

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 2021-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I just completed loan rehabilitation and my account is back with the normal servicer. When I logged into my account, it stated that my loan was immediately due. On XXXX, I called the loan servicer to ask about a payment plan. I was told that I had to submit a financial hardship payment agreement form. I submitted that form on XXXX and called to follow up. When I spoke to the representative, I was told that my account was under review and to not worry about it. On XX/XX/XXXX I received an email stating that my account is under review. On XX/XX/XXXX, I sent another email to follow up about payments as I do not want to default again. On XX/XX/XXXX I received an email stating that my account has been past due since XXXX. I have not received a statement since XXXX. I went on my account and paid the past due amount since I do not want to default. I had been calling to figure out payments but I was just being told that my account was under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MN

Complaint narrative:
Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the information.

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 2021-01-21 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

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 2021-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
I was paying my loans monthly for 2 years on time never late. Was paying XXXX a month on XXXX loans .Was taken off off payment plan that I was on and never advised until sallie mae began taking double the amount from my checking account for my monthly payments. I contacted them and was advised that that program ended. When I told them I could not afford the XXXX + a month they advised me to let the loans go delinquent then contact them to be set up on a new program, but because at that time my loans were current I did not qualify for anything. So now my credit score has dropped because they have reported this to credit bureaus.when I called in to get set up on a payment plan they said all I was eligible for was interest rate reduction to 4 %, which would make payment XXXX.Previous plan i was on was 2 % and they said they no longer offer this. I told them I can not afford this I have a family of XXXX .my wife is unemployed. I am the only income. I have a XXXX XXXX XXXX and XXXX XXXX XXXX.i work in the aviation industry as a XXXX XXXX for a commercial airline. It is no secret how the airlines have been affected with pandemic. My hours and pay have been cut in half and now on reserve and my seniority in the company affected due to furloughs and base closures. I continued to make the XXXX payments when COVID hit because I did not want to ask for help and we had a little money put back and we were making it work. Who knew the pandemic would still be affecting everyone. I am not asking for them to stop payments, I am asking them to work with me on payments I can afford. Its not like we are under normal circumstances today and I know they have the ability to help. I am requesting communication with a payment plan I can work with and any negative reporting on credit report fixed since they are the ones who advised me that my loans had to be delinquent before they could help me, even though I spoke with them before they went delinquent to try and get a new payment plan. I feel this is not my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX my insurance company sent a check to Santander Consumer USA for the total loss of my vehicle. The check cleared the bank on XX/XX/XXXX, but was not posted to my account. I called to follow up, and was told there was no check or payment found. I had to provide the copy of the cleared check before they would acknowledge. I later found out that the payment was posted to the wrong account. I was told to give 5-7 days for it to be updated. It has been almost 3 weeks since I sent them the paperwork and they still have not posted the payment. They tell me to continue making monthly payments. My GAP coverage check cleared and was posted XX/XX/XXXX. They still do not have my vehicle deemed as totaled, while interest is steadily accruing on the account. No one has been able to explain why it is taking so long, only that most are working from home and it takes time to process the payment. It took no time to have the check clear the bank, but over a month to have the apply the payment appropriately. It has been a challenge trying to get another car with a decent interest rate with the totaled vehicle showing up with the high amount owed. They have pretty much backed me into a corner, resulting in the purchase of a car with a higher interest rate, because of what the finance companies are seeing. I have been in a rental since XX/XX/XXXX and it is now XX/XX/XXXX. UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with Equifax, XXXX and XXXX  I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 XXXX 2 : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Today is XX/XX/XXXX. I closed a refinance on my primary home the end of last year with Loan Depot. It has been more than 20 days and my loan hasn't funded. My loan processor, XXXX XXXX. NMLS license number XXXX told me the underwriter is requesting additional documentation ( XXXX P & Ls ) for a loan that has already closed but not yet funded. Her namager is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MN

Complaint narrative:
Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the information.

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 2021-01-21 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: MN

Complaint narrative:
Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
USBank Focus Card visa debit recieved my SS each month. On XXXX at XXXX multiple transaction went thru and I was notified via text alerts while I was at home. Contacted bank immediately and stopped my card and filed a dispute. Waited until The following Saturday 7 days later and I called the bank to inquire why I had not recieved the documents the stated were being mailed. Then I was provided a fax # which I then had them send documents via fax which I filled out and Faxed back. 13 days later I contacted bank again for status of my claim and was informed the case was closed as dispute team determined NO fraudulent charged occurred. USBank XXXX informed me she has no info WHY? And can not help us at all and apologized. I requested phone # to dispute dept and that could not be given to me. Currently XXXX was taken from my XXXX card that left me {$30.00} to my name. My hands are tied and told sorry. Please help me.

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 2021-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Currently, I have an equity loan with PHH Mortgage XXXX XXXX ) against my property XXXX XXXX, XXXX VA. Since XX/XX/XXXX, I have been trying to pay-off this loan. The current balance is {$27000.00}. I was told that payoff could not be made until I have received an official payoff document. This document has consistently arrived after the due dates. 

I paid {$5000.00} in XX/XX/XXXXand submitted a check for the {$27000.00} ( it has not been processed ). To ensure that I was not charged for late fees ( after the XX/XX/XXXX), I paid the monthly payment of {$390.00}. 

I get the impression that there is an effort to discourage mortgage holders from paying off the loan. I have done everything possible to get this loan paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I sent Chrysler Capital two dispute 's to no avail I've received absolutely NO response I've sent my dispute letter certified mail and noticed that Chrysler Capital is signing for my dispute letter but they're not honoring my dispute or the FCRA because they aren't responding. This is a direct violation under the FCRA section " FCRA Section 611 Part ( A ) ( 1 ) Failing to respond to my written dispute within 30 days. " But they've charged off my account over 61 times from XXXX to this present day! 

Chrysler Capital clearly is operating under illegal business practices. Seeing how Chrysler Capital blatantly is ignoring my request I've decided to shed light on their less than honorable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY

Complaint narrative:
I was applying for a loan but I had to cancel the process because the second home inspection was not favorable due to termites and water damage in the property. Plus I didnt have the XXXX that MeadowBrook was requested hence why I asked them to issue a denial letter because I didnt qualify for the loan. Its been a month since I requested the letter and MeadowBrook mortgage is not responding or sending the letter. I need the letter so that I can get back deposit from the seller. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Im not sure the actual date but it was in XXXX I had Chime for my banking and I had a bunch of unauthorized transactions on my account so when I filed a dispute with them they closed my account saying I violated there terms of service when I did nothing then the dispute had been completed with me winning and my money put back on my account but its closed so its still useless and you cant get any one there to talk to you.

Company response to consumer: Closed with explanation