vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

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 2020-11-13 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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: IL

Complaint narrative:
filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested

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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Hello I have banked with usaa Federal bank for over 6 years which is a military bank I move around a lot I have had accounts that have been closed do to Negative Balance and I have paid them off before it Reached my credit I just had a account that I paid off I let the bank know that I had death in my immediate family and that I was impacted by COVID-19 I asked them not to close the account because a large amount of money was coming in I only did that because they say to let your representative know if you are impacted by COVID-19 so my big deposit came in they took care on the account and paid it off and they sent me a check for XXXX I then took that check and A mobile deposit it in another checking account with USAA the next day they said there no longer want me to bank with them and said that XXXX they will close my account and sent me any funds I have rent to pay by Monday XXXX of XXXX they told me there is nothing they can do I will have to wait 60 days my son has a youth account and they will also hold his funds I have called and ask why are they doing this they have said they will reverse the decision because there was a miss understanding and that someone will call me no one has called and I have to just wait for them to send my money they said they have the right to make a decision and lock me out of my account I told them it COVID Im behind on bills but there nothing they can do! They also told me that they dont have to list a reason for there decision but I think they are really unfair as a bank institution to keep receiving Direct deposits and locking a person out of there account no fraud was committed and they could have contact me to give a warning saying whatever instead of locking me out my account I have XXXX kids and no money no cash no nothing! Please help me thanks my email is XXXX my phone number is XXXX however my phone maybe off do to the fact I cant pay it because of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the ACCOUNTS I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE these accounts at the earliest possible time.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: MS

Complaint narrative:
My card got suspended and they want issue me a new card they said I had to talk to the fraud department they want never answer the phone I need my card for my unemployment benefits its eppicard please help me get my card unsuspended

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
In XXXX was leasing a XXXX XXXX XXXX XXXX XXXX. On XXXX, XXXX I made a lease payment of {$3300.00} which posted to my account. The intent was to pre-pay 6 months of payments, XX/XX/XXXX I was contacted by XXXX XXXX a salesman at the Hyundai dealership located in XXXX XXXX, Minnesota offering to get me out of my lease on a XXXX XXXX XXXX XXXX XXXX and replacing my vehicle with a XXXX XXXX under a new finance offer of 0 % financing and 3 months deferred payments. I clearly understood the terms. On XX/XX/XXXX I agreed to the terminating the lease and purchasing and financing of the XXXX XXXX. The XXXX XXXX XXXX dealership said I needed to talk with Hyundai Finance USA in regards to the refund of my {$3300.00}. It took until XX/XX/XXXX for XXXX XXXX XXXX account to reflect a closed account. I was told by the finance service rep that the refund and a monthly payment refund should be processed " soon ''. As of today, XX/XX/XXXX. I have talked to 7 finance representatives, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All of these reps made notes in my file. I know this because I would insist they read them while I was on the phone with them. 
Some of them said they were a supervisor only to be told that they would send an email to the finance department in regards to my account. They were all very thorough but said the email was all they could do. I've asked to talk to someone in finance but they said emails from the rep was the only way to communicate with that department. As of XXXX XXXX XXXX, the rep quoted from the notes in my account that I am still owed {$550.00} plus {$2100.00} a total of {$2700.00}. 
I really need this money to make the future payments on the XXXX XXXX. I thought this would be an unquestioned situation.

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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a dispute through both XXXX and XXXX  for the debt collections company IC systems. I have never had any contact with this business or company nor the company they are collecting for which is XXXX. I have never owned an account or done any business with companies. I do not understand why this fraud claim is being reported on my credit report and it needs to be removed immediately for hurting my credit score and being fraud.

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank, which owns our mortgage, conducted an off-cycle escrow analysis which we did not request. Though the bank 's stated reason was that our home insurance cost had substantially DECLINED, the " analysis '' demanded an INCREASE in our mortgage, payment on which is and has always been current. The bank has since applied the increase to our latest mortgage bill despite acknowledging in several phone calls by me to its " Executive Office '', that it can not verify the figures in the analysis and " has not had time to research '' them. 
Wells Fargo had, one month prior to my receipt of the new " analysis '' on XXXX XXXX, XXXX, made an overpayment to our home insurance company. Through a rather time-consuming process I had reimbursed this {$420.00} overpayment to Wells Fargo Escrow Department. Despite my bank recording that Wells Fargo cashed that check from me on XXXX XXXX, its " Executive Office '' would not confirm receipt of it to me on XXXX XXXX, one week later. 
Wells Fargo 's " Executive Office '' after two lengthy discussions, on XXXX XXXX and XXXX XXXX, refuses my request, to set aside the false and unrequested " analysis '' and to revert to our previous monthly mortgage amount pending the next regular escrow analysis in XX/XX/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 non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX my car XXXX XXXX XXXX was stolen and recovered by police totaled on XX/XX/XXXX, on XX/XX/XXXX I spoke with XXXX Supervisor of Capital One Auto Finance asking for a settlement of {$8000.00} from my car insurance ( XXXX ) which paid settlement about {$15000.00} to Capital one but this car is only worth about {$13000.00} - {$18000.00} as of XX/XX/XXXX I paid in total to Capital one Auto {$23000.00}, plus my car insurance settlement payment {$15000.00} totaling {$38000.00} this ridiculous and excessive for this car. 

I asked Capital one XXXX, XXXX to send correspondence regarding my car in my name, my Aunt ( XXXX XXXX ) has deceased as of XX/XX/XXXX who was my co-signer, I paid Capital one payments monthly and my car insurance not my Aunt, I financed this car in XXXX at XXXX XXXX XXXX, NY I traded my car I owned to get the XXXX XXXX XXXX in XXXX. 

As of XX/XX/XXXX Capital one by mail is asking for another {$2900.00} or their settlement one time payment of {$970.00}, Capital one has left me without a car due to the EXCESSIVE CHARGES. This is besides excessive, abusive and discrimination, I support myself and my children with having a car and with my job I still have a job but am making less due to the Lose of my car. 

Capital One wouldnt even send me the total of what I paid, just a transaction history report of ( 7 ) pages in which I had to add up myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: WA

Complaint narrative:
As detailed in CFPB complaint reference XXXX, that I filed on XX/XX/2020 ( for which I still have not received a company response ) I continue to receive servicing emails from KeyBank. As these are servicing emails, I do not have the option of opting out of these unwanted emails. I no longer have an account with KeyBank and do not wish to continue to receive unwanted emails from the bank, due to their unfair, deceptive, and abusive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
When the covid19 pandemic happened last XXXX the government pass the law of cares act. One of the law was pass is to allow the homeowner to apply for forbearance on their mortgage without penalty. So I called my mortgage company which is freedom mortgage. I was aprove for forberance for 3 months however the freedom mortgage company wants me to pay those 3 months of mortgage payment after the end of my forbearance. I dont think that deal will be able to help me at all. I really dont want to loss my house. I am one of the people who loss their job because of pandemic.If someone could help me about this matter It will be greatly appreciated thanks 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 2020-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have reached out to this company via certified letters onXX/XX/XXXX in which they failed to respond asking them to validate this debt. Then pursuant to the recent lawsuit against Santander, I was advised that Santander will be required to cease debt collection on my report due to litigation where Santander was ordered by the courts to pay {$65.00} XXXX to the 34 participating states for restitution for subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX and The settlement also includes significant consumer relief by way of loan forgiveness. My state of NC was one of those participating states under attorney general XXXX XXXX and my loan was also deemed eligible to receive complete forgiveness and relief from this debt. This debt is no longer owed, however upon multiple disputes, Santander continues to verify and validate this debt. This is a direct violation of my consumer rights and this account needs to be deleted from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paid off loan on XX/XX/XXXX. I have not received title from the State of California. CA DMV reported to me on several occasions the Synchrony Band agreed to electronic release of title ( Paperless Title ), and that the information given does not match their record. I have been in touch with Synchrony Bank on four occasions ( XX/XX/XXXX the last ). They said they provided CA DMV the proper information, but DMV reports otherwise. I received two copies of PAPER Release, the last dated XXXX and it was released to me, XXXX XXXX XXXX as sole owner. The Primary on the account is XXXX XXXX XXXX, my mother who passed on XXXX XXXX, XXXX. But, the date of payoff was XX/XX/XXXX. I have provided this information to Synchrony Band and DMV. I have sold this vehicle, and the new owner would like the proper title, as would I. I was informed by a XXXX at Synchrony on XXXX XXXX XXXX XXXX  XXXX PST that Synchrony Band and CA DMV are and have been at odds for some length of time. I was treated rudely today by the representative at the Document Control Department, XXXX XXXX XXXX, XXXX XXXX, FL., XXXX ( XXXX XXXX, XXXX XXXX  XXXX PST ), phone # XXXX, and requested to speak to a supervisor. My number was taken and I received no call.

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ME

Complaint narrative:
Hello, 5 months ago me and my wife began refinancing my mortgage with your company. Since we began we have been repeatedly misled or given inaccurate information or straight out lied to by my loan officers. We tried to cancel the business months ago when their service was clearly not helpful but they held hostage my deposit they refuse to return if i wanted to cancel their business. 

We've been told repeatedly that after an assessment and providing the value came out as predicted it would be the last step in the process. After the assessment came in for the proper amount they have now indicated that we needed repairs but are unable to tell me what is needing to be done because the assessment report does not say anything. After that we were told that we could not qualify anymore for our loan and would need to change terms. 

We've been given the run around from these officers and company for months without getting any straight answers on why we don't qualify and what we need to do to qualify again. At this point the only I can think of is their trying to scam me out of me {$500.00} dollar deposit by pushing me to another lender. 

These two employees have repeatedly given us conflicting information in what is either massive incompetence in their abilities or an intentional effort to drive away our business and keep the {$500.00} dollar deposit. I have asked to speak to the managers but haven't received a response. I am concerned that this is a complete scam with the way we are being treated by this company, I have reported this company as a scam to all available financial regulators and will be contacting legal counsel. 

XXXX XXXX XXXX XXXX NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX Desk XXXX Fax XXXX Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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:
filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested

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 2020-11-13 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: IL

Complaint narrative:
filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: NY

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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the 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 2020-11-13 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: PA

Complaint narrative:
For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for XXXX & Equifax that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from XXXX and Equifax it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.

Company response to consumer: Closed with explanation