vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I was notified of this account when it showed up on my credit report over a year ago from a collection agency called Ad Astra XXXX located in Kansas. It states I owe {$5700.00}, I had no idea what this was as I never received anything from Ad Astra but they have been reporting this on my credit report for over a year which lowered my scores tremendously. Every time I dispute the account it comes back verified yet I never receive anything showing verified. I sent them a validation of debt twice starting in XX/XX/XXXX and never received any thing back, I sent them over 15 emails, 3 faxes which I have to pay for each time and even had one of my credit monitoring companies send them a call for action which they did respond only to say call them. When I call, the company is mainly used for XXXX XXXX collections and have only a few XXXX representatives or maybe just one named XXXX. They either can't transfer me to one because they phone isn't working, the rep isn't available, the computer is down, all I get are excuses. Even the website when you log on it goes to a XXXX XXXX website. I have called XXXX to see if I could get any information from them but they stated the account belongs to Ad Astra and they can't do anything. I have probably spent over 40 hours of my time trying to get this handled yet I never hear back or can reach anyone. I am hoping you can assist with this so I can figure out what is going on and get it handled. Their website states they will remove it from the credit reports after two years which is coming up in XX/XX/XXXX but I would like to get this derogatory report off my credit sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Today is XX/XX/2020 and I like a great many people in the United States am quaranteened at home due to Covid- 19. Unfortunately, the official medical narrative determines that I am a prime target of this deadly virus for multiple reasons. For these and other reasons I listen to our officials and take head of their warnings and concerns voluntarily for the protection of us all.

I have 30+ yrs of federal service and I have been devasted by this  pandemic financially, physically and emotionally as I have lost several loved ones already. I sent servicer Nationstar Mortgage LLC d/b/a Mr. Cooper not 1 but 2 requests for FORBEARANCES under the federal mandates of the " CARES ACT '' which was signed into law XX/XX/2020 Upon being notified by my own federal agency of their extreme delays in processing applications for benefits of up to 18 months, I requested the extended additional 180 day cares act forebearance. 
Nationstar Mortgage LLC d/b/a Mr. Cooper acting as servicer for Fannie Mae refused to even acknowledge the 1st written request sent months ago and only responded to the 2nd written request when it was sent through the CFPB complaint portal and the Courts.

In defiance of federal law, XXXX XXXX   directives, FHFA and the common good of this suffering nation Nationstar Mortgage LLC d/b/a Mr. Cooper finally sends a response that is not factual, unsupported by law ( CARES Act ) and contradicts the investors ( Fannie Mae 's guidance ) : 1. XXXX XXXX directs all Forbearance requests to be processed by the servicer ( accounts in Bankruptcy are reimbursed by XXXX XXXX for any notices the Servicers may be required to submit to the Court suspending payments for duration of forbearances. 
2. My written request has been sent to multiple ever changing counsels for Nationstar Mortgage LLC d/b/a Mr. Cooper and none have replied. There have been approx. 4 different firms in recent months. Another different lay firm is now claiming to represent this servicer in less than a month some law group out of the state of Florida. 
The acts of Nationstar Mortgage LLC d/b/a Mr. Cooper are deceptive, unfair and illegal. It would appear to any reasonable authority designed to escape compliance with federal law and the directives of the investors they claim to serve. There are a lot of uncertainties but being homeless with a minor child and a bad XXXX is not suppose to be one during this pandemic as we fight for our lives. 
Mr. Coopers representative stated the process of inputting a CARES ACT forbearance only takes 2 minutes why have I been going in circles with this valid written request for months and Nationstar Mortgage LLC d/b/a Mr. Cooper says that they have started the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Enterprise Acquisitions
State: MI

Complaint narrative:
This is for a car rental. I was renting for a period of time. The car broke down and the company took no responsibility for the vehicle. They did not tell me that they weren't accepting responsibility and left me stranded for 5 hours. Additionally I had to find new transportation and I had to incur the cost of a hotel room because I was in another city when the car failed. The car is still sitting in the spot where it broke down because I had no idea what to do. Even the next morning after the company opened they still refused to pick me up or bring me another vehicle that worked. It seems they expected me to sleep in the car until they decided what to do about it. Nothing like this has ever happened on a car rental.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've disputed an account on my report and the account was removed i seen this via XXXX XXXX. The account was removed from 'TRANSUNION XXXX XX/XX/2020. When i called them they started to act like they didn't know what i was talking. I've had got in contact with a manager there. The lady then proceed to tell me that she was able to see that the account was removed and then replaced back after that. The lady also stated that the company didn't respond in time so the account was removed for that reason.

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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a back payment of XXXX from VA unemployment, I was laid off in XX/XX/2020. Like many Americans the unemployment office was taking months and weeks to process and approve my unemployment claims. Now Chase Bank has decided to hold all my money and interfere with my unemployment Direct deposits and will not tell me why. I have rent, food to buy for my family. They are holding my money hostage and will not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: OH

Complaint narrative:
This is account is reporting to from different furnishers and can not be validated. Please see the response below and delete account as well. 

CFPB # XXXX Company 's Response Account Summary Creditor : XXXX XXXX Account No : XXXX XXXX XXXX   Reference No. : XXXX The account information XXXX XXXX   furnished to the credit reporting agencies was provided by the original creditor. It included a social security number and date of birth. We have not been able to complete our investigation of this dispute and will request that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. Once debt validation is received, we will provide that information to you but the debt will not be re-reported to the credit reporting agencies by XXXX   XXXX, XXXX. This communication is from a debt collector. Sincerely, XXXX XXXX Consumer Affairs XXXX XXXX, XXXX XXXX XXXX XXXX This is the same account on TransUnion : XXXX XXXX Ohio # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}

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 2020-08-26 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}

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 2020-08-26 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXX {$160.00} XXXX XXXX {$64.00} XXXX XXXX XXXX {$8800.00} XXXXE XXXX XXXX {$5000.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Called Equifax on about 10numbers to get a security freeze placed on my credit file. The automated robot will not allow me to get through after asking me 4 questions. I tried the online option and it would not process the credit freeze. It gave me another phone number to call ; same robot, no sucess. Their system is broken. I had no problem with the other 2 bureaus. I know that my credit has been breached and the sooner I can get this freeze on the better. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One lowered my credit limit from XXXX down to XXXX. My account is in good standing. They notified me after they had lowered my limit that it was because I don't keep a high balance on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXXXXXX {$1200.00} XXXX XXXXXXXX {$160.00} XXXX XXXXXXXX {$64.00} XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX  XXXX {$4400.00} XXXX   XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$1300.00}

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 2020-08-26 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXXXXXX {$160.00} XXXX XXXXXXXX {$64.00} XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXXXXXX {$4400.00} XXXX   XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$1300.00}

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a series of identity theft and fraud issues that occurred more rapidly since XX/XX/2018 to date. Everything from unauthorized bank accounts accessed or opened to inability to get my credit report to mail fraud and intercepted sim cards. Ive changed everything, mauling address, cars, loans, leases, careers, banks, phone numbers, phone providers, emails, devices and they all seem to get compromised and its exhausting. Most recently my XXXX XXXX XXXX XXXXXXXX account has been compromised. I can't get a copy of my credit report to review and lately I've been notified payments aren't clearing when I know I had both the funds and made timely payments. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
This is a medical bill that was paid by insurance but yet they have it in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Paid off mortgage with Loancare. Letter from mortgage company dated XX/XX/XXXX acknowledging payoff. Called XX/XX/XXXX because we had not seen any change at county recorder 's office. 
XXXX started request fro inquiry, to be completed XX/XX/XXXX. Again saw no record at county recorder 's office and called back XX/XX/XXXX. XXXX found Release and Reconveyance of Deed of Trust had been received back from county recorder 's office and emailed to me.

Found our last name had been misspelled and called back on XX/XX/XXXX. XXXX opened request for inquiry and said to call after XX/XX/XXXX. Called back XX/XX/XXXX. XXXX told me it had gone to county recorder 's office on XX/XX/XXXX and to check back in 1 week. called back on XX/XX/XXXX. XXXX found nothing back, suggested I email XXXX. 
I have now emailed twice. First on XX/XX/XXXX, second on XX/XX/XXXX. NEED EMAIL ADDRESS TO FORWARD EMAILS TO 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 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have noticed different accounts that came on my credit report that do not belong ro me that are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capitol One lowered my credit limit from XXXX + to XXXX. Our account is in good standing, with no missed payments. We were notified after they had lowered our limit that it was because we don't keep a high balance on our cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I signed documents for an auto loan approved by Capital One Auto Finance via XXXX XXXX XXXX ( dealership ) in XXXX NJ. 

Capital One Auto Finance currently has documents of forged signatures from a different dealership, XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XX/XX/2020 that I did not sign. This is fraud.I can provide proof of being at work on this date. I work for XXXX XXXX XXXX XXXX XXXX 

I have received several correspondence via mail indicating my credit was assessed without my knowledge or approval and was requested by XXXX XXXX XXXX, XXXX XXXX of XXXX. 

Multiple hard inquiries have hit my credit report during the months of XXXX and XXXX. This is also fraud as I did not request this and it has occurred months after I was approved for a car. These inquiries were fraud requests and will now remain on my credit for 2 years causing negative impacts on my credit that I am working so hard to improve. 

I contacted Capital One Auto Finance on Wednesday XX/XX/2020 to notify them of the fraud documentation. I stressed the importance of addressing the fraudulent signatures. I also notified Capital one that the current vehicle on my loan ( XXXX XXXX ) does not match the vehicle that I have in my possession ( XXXX XXXX ). 

I was told I would be contacted within three business days when speaking with a representative from Capital One Auto Finance on XX/XX/2020. When I did not get a follow up call, I reached out Capital One Auto Finance ( Monday XX/XX/2020 ), however I was told it would take another two business days for a response and am currently waiting. 

My car remains unregistered. It is now more than three months from when I was approved for the car I have not received any license plates and the Dealership has chosen to keep the second key to the car. 

I am filing this complaint in hopes of getting assistance in resolving all existing issues. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2020, a hold was placed on my account and I was unable to access my Chime Bank checking account which contained the majority of my money at the time, nearly 80 %. 

I promptly responded to ask if there is anything I can do to expedite the process. 

On XX/XX/2020, I was asked to provide the following : Provide an explanation and documentation verifying that you are the intended recipient of the pay-friends transfers from : XXXX XXXX Transfer from XXXX XXXX XXXX XXXX XXXX Transfer from XXXX XXXX XXXX. 

I responded saying that I do not know either of those two individuals. They might have sent me money and then reported the transaction as unauthorized. 

Similar to a public SWIFT address, I know that people figured out my Chime Pay Friends Transfer ID and have been sending me money and charging it back or something similar. 

A few weeks later ... 

The response from Chime Bank was Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). 

I read through the entire Deposit Account Agreement and no such line or article even exists. 

I pointed out that this line doesnt exist in the Chime Deposit Agreement and all I received was an automated message back from the company. 

Said company may also be pocketing commissions from referrals I have been bringing them. I dont know where those are going now.

Company response to consumer: Closed with explanation