vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 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:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud 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 2021-02-28 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:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
This complaint concerns my Loan Modification with XXXX/Dovenmuehle that took 12 months to process, while impacting my credit report/rating. XX/XX/XXXX I had to quit my job, because of health reasons. In XX/XX/XXXX, I requested a modification of our 15 year mortgage loan, to be changed to a 30 year loan, with XXXX/Dovenmuehle, and on XX/XX/XXXX, I received a letter that my application was complete. An appraisal was done and my modification was approved XX/XX/XXXX. I was told to make 3 trial payments, XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I emailed my loan officer for an update, who told me he was working on the final paperwork. These responses from him went on for several months, until I started receiving calls from the collection dept. My loan officer then told me there was a title issue with my XXXX refinance, and I would have to go back through another process fast because XXXX was going to start the foreclosure process. There were no issues with my title and there was no reason the modification couldn't move forward, and I finally signed the new docs on XX/XX/XXXX. I received a number of letters from XXXX, stating they were looking into the late payments, and I have letters from them, stating they found issues and had sent paperwork to the credit bureaus to correct them.. As of XX/XX/XXXX, the errors are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged fraudulently twice the same dame by XXXX on XX/XX/2020 for two different amounts for the same rental we vacated because the advertised lake access from the property was not attainable because the property tram to the late was broken. We spoke to XXXX the area manager that promised a full refund. Only one of the two charges was refunded and the other discounted as a sham transaction. Citi failed to properly ascertain what transpired and has reported against me to the credit bureaus improperly and continues to send me billing. I understand XXXX does this type of fraudulent charges regularly.

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: AL

Complaint narrative:
On XX/XX/2021, I sent a letter about the inaccurate information on my credit report. I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ) states that failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted immediately. 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 2021-02-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent a letter about the inaccurate information on my credit report. I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ) states that failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted immediately. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
CARHOP XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2021-02-28 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am having problems after I filed a chapter XXXX bankruptcy. Credit card accounts that was paid off to XXXX  is reporting that was included in my bankruptcy and putting all this fraudulent activity on these accounts they closed due to me filing bankruptcy. I disputed the accounts and told them they was not included and for them to update and remove the fraudulent information and only one company compiled from the investigation. I have proof they was closed and not included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I started an online application for a loan through XXXX bank but then called to clarify whether they finance manufactured homes and found out they do not so wanted to delete my application. I erroneously started a new application in an effort to delete the current one. 

I have asked M & T 8 times ( 7 time by email and one phone call on Friday, XX/XX/2021 ) to please stop sending multiple email per day and now followed by multiple calls to finish my application. On the call, the M & T I advised that she will remove me from the the solicitation '' list yet the calls and email continue and I find this extremely harassing 's and a form of predatory lending and

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 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2020 PNC charged me an NSF fee, after illegally returning a check that cleared and posted to my account on XX/XX/2020, and further misrepresented the way their product Virtual Wallet works. 

Please see attached documents

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Closure of XXXX XXXX XXXX accord XX/XX/2016, I was enrolled and was unable to complete my degree due to the closure for lack of other words they frauded students. they have defrauded U.S Department of education at my expense and have been trying to get my loan forgiven/Discharged and have submitted a borrowers defense application # XXXX since XX/XX/2016 and the servicer great lakes is accruing interest since then as I wait for the U.S Department of Education to complete my application with a final decision as I have on my credit report Federal student loan that has cause me to not be able to purchase a home or get credit. We are not coming up to 5 years and just get run arounds as I'm compassion with all the students that have been affected by XXXX, but when calling the U.S Department of education are not able to inform me of a time frame for a decision and felt as if they are withholding information and do not want to come to a decision that is hurting thousands of students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank is the servicer for my home. I have owned this home since XX/XX/XXXX and have always paid as agreed and on time. Under the Cares Act, in XX/XX/XXXX, I deferred my mortgage payment for 6 months with the understanding that my payments would be pushed to the back of the loan. Now that I am able to resume payments as normal, Flagstar required me to pay in full the missed payments during the forbearance ( {$4300.00} ) or my loan would be required to be under review ( which must be approved ) for a complete loan modification which included information such as : my pay, W2, proof of hardship due to COVID-19, my spouses pay and W2 etc. ; all of which I thought was not required or asked under the Cares Act. When I asked Flagstar why this was necessary as my home is USDA, the supervisor stated that the investor for my home would not allow for the deferred payments to simply be pushed to the back of the loan ( XXXX XXXX was referenced as the type of loan, not USDA by Flagstar ). If I knew that my payments would all have been due as a lump sum, this would not have been helpful at all and I wouldnt have wanted them deferred in the first place. I need to understand why my loan was required to go through a complete loan modification and - among several other things - why I was required to show Flagstar my proof of hardship due to COVID-19. To keep good standing with my mortgage, my daughter had to pay the deferred missed payments so that I would not be subjected to a loan modification, which was absolutely not necessary due to the fact that I could resume my normal monthly payments - as I have favorably done since 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 explanation
Consumer complaint received 2021-02-28 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: NJ

Complaint narrative:
Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. acct # XXXX amount {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase bank - XXXX - XXXX XXXX NY. XXXX XXXX, international representative for XXXXXXXX XXXXXXXX XXXX XXXX  - XXXX and XXXX? somewhere - XX/XX/2021, I sent XXXX to XXXX XXXX to release a package for XXXX XXXX thru customs by XXXX XXXX. 
A couple of days later I sent $ XXXX to release from customs in XXXX a briefcase containing the money and a diamond necklace. 

They/XXXX and XXXX funding set up an account in my name as go between for XXXX XXXX. I have documentation of all of this. and emails and phone numbers. 

there is XXXX XXXX XXXX in XXXX - I am suppose to give another XXXX to have the XXXX code release all the money to me. 

allegedly - there has been XXXX taken out to pay an electricity bill to XXXX XXXX in XXXX XXXX CA. XXXX XXXX 's account that has not been paid for several months. - something about limited access to his funds by manager and wife. 

I have spoken to an FBI agent who said to contact my bank - no help there and Chase that received the funds ( XXXX XXXX ) and Cyber Security - XXXX XXXX / allegedly one of the same / does not know I have contacted any agencies in reference to this complaint. 

If I can get my monies back - that would be a great help - and alert others to these people. got nothing else to do with Covid rampant. 

call me or text or email anytime for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 


LVNV FUNDING LLC # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. amount {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX I co-signed for a car several months ago for my daughter XXXX XXXX. Due to Covid-19 my daughter and I have been furlough from our jobs, unable to make payments on time. 

We were informed that American Credit Acceptance should not be reporting to the credit reporting agencies as delinquent, which they have done since this pandemic started. 

We took a loan out to catch up on payments and would like to have my/our credit score corrected from the time American Credit Acceptance reported delinquent. 

Thanks, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with USAA in XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XX/XX/2019 USAA sent me a bill which is a violation of 15 USC 1692b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Lending Club Corp
State: VA

Complaint narrative:
This account is with the Lending Club. I paid on it for three years no problems no lates, excellent history account was paid in full in XX/XX/2021 and they recently updated my credit report to show account is closed versus paid on full which has a negative impact to the credit score my score in fact went down versus app because the account is showing closed when it was in fact a healthy paid in full account and Im not getting the credit that I deserve in the reporting of such a great history!! I dont think that its fair that a company can show an account as closed when it has in fact been paid in fulland on time because that has a negative algorithm when the calculations of credit scores gets re-generated by the credit bureaus. I think that CFPB needs to step in and make sure that these companies are reporting the account status as paid in full and not closed because it is an installment account not revolving which impacts your score differently!!

Company response to consumer: Closed with explanation