vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
When logging into XXXX XXXX, I noticed a drop in my credit score and then immediately looked for something that may be impacting my credit to find that I have a collections account. It lists the debt associated with AFNI and also show original debtor as XXXX XXXX XXXXXXXX I'm unsure if this means the phone/internet provided XXXX XXXX XXXX in which I have no had an account or services with them since sometime in XXXX. I do not owe any past due balances with XXXX XXXX XXXX or any other provider/medical etc. This is not a lawful debt practice as I have no idea what this debt is even for or from really. Just my guess based on minimal information I could see via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I contacted USAA to do an interest rate reduction refinance loan for my VA home loan that is currently with USAA. I went through application, and when I received my disclosures, saw that the required disclosure " IRRRL Comparison Statement and Recoupment Calculation '' was wrong. I contacted USAA and my mortgage specialist acknowledged there was an error, but said she didn't know if she could fix it. I told her I wanted to know the actual numbers before deciding on the loan. 

On Saturday the XX/XX/XXXX, I got a call that asked me to send an email/photos of what was wrong. I sent it the same day, with two issues : I was looking for a loan comparison that normally comes with a cash out refinance, which apparently doesn't come with an IRRRL -- - and I was looking for a corrected IRRRL disclosure. I sent photos of the document with notes to clarify the error. 

On XXXX XXXX, I got an email from USAA 's Loan Originator telling me that " we are talking about different things '' and " Unfortunately, we would not be able to generate that document for an interest rate reduction refinance. '' On XXXX XXXX, I received a call from the mortgage assistant stating the same, and affirming that despite the number being grossly wrong, " management '' told the assistant they weren't going to fix it or send out any more disclosures. 

A huge factor in refinance is the recoupment for the loan cost. My current loan is with USAA, however, they incorrectly list PITI and PI as the same amount, despite knowing otherwise. They own my current loan and have ready access to this information. The comparison rate lists the new PI, and comparison PITI correctly, and this " funny math '' makes the time to recoup closing costs grossly incorrect. 

I was told the actual savings for buying down points would be somewhere around {$400.00} per month, with points at the cost of over $ XXXX. However, the disclosure incorrectly states the reduction in PI to be almost {$1100.00}. This is almost 200 % the amount I was verbally told. At this reduction, it would only take 10 months to recoup closing costs, which is what the disclosure states. I have asked repeatedly for an accurate disclosure and was told " no ''. 

I think it's wrong to lie/mislead a customer, much less a Veteran. I have banked with USAA for over 18 years, and I was really shocked that the primary disclosure for IRRRL was grossly wrong. USAA wasn't willing to fix it. I have not received an accurate disclosure. Banks should be held to an accuracy standard.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
I XXXX XXXX believes that XXXX XXXX XXXXXXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, XXXX XXXX XXXXXXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX   XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX XXXXXXXX has in essence placed it position as zero, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX  XXXX is violating its subscriber agreement with Experian, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX 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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
CHASE IS CHARGING ME {$100.00} FOR AN AMAZON PURCHASE FOR ABOUT {$33.00} THAT THEY CLAIM I MADE A COUPLE OF MONTHS AGO ... ... THIS IS A LIE, I ONLY USE GIFT CARDS ON AMAZON ... ... ... ..HEN I GOT THIS SURPRISE STATEMENT A COUPLE OF EEKS AGO THE CHARGE ABOUT {$60.00} ... ... ... ... ..CALLED THEM, DISPUTED THE CHARGE AND THOUGHT IT SETTLED BUT NO GET {$100.00} IN MAIL TODAY ... ... ... ... ... XXXX.THIS IS OUTRAGEOUS ... ... ... ... .NO LONGER TRUST THEM ON THE PHONE AND CAN NOT CONTACT THEM THRU INTERNET ... ... ... ... ... ... .I AM A XXXX ON SMALL INCOME ... ... ... .NEVER HAD CREDIT CARD DEBT. THEY ARE SCAMMING ME ... ... ... ... ... ... ..THINK THEY SAID ORGINAL {$33.00} PURCHASE AS IN XXXX AT AMAZON, NOT BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2017, my car was towed away from my parents ' house in an effort of SunTrust to collect payment on the car. I did receive the call from Suntrust for the bill to be paid and ask them the send in a mail to my parent 's house to be paid. They said they never received the mail and were told to keep waiting for the mail. once the vehicle was towed away from our driveway, we then get the notice from the tow company to call our debitor. We had plans to pay off the car with the billing they were supposed to send but with the tow fees included, estimated an extra {$1000.00} with the end balance, was something we didn't have at the moment. We tried to reach out to Suntrust to make a payment deal to pay off the car after the deduction of the tow fees but didn't get resolved. After some time, the full amount was paid and we didn't receive our car title and had to get it from a service that was extra charges. All within a 3-month span of the ordeal, my father was terminated from his main job and I was working in XXXX XXXX XXXX base leaving my mother bearing the weight. This has marked on our credit affected my mother, my father, and me from receiving any other help to get back on our feet such as loan, refinancing, lower interest rate, etc from this unfair 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 2020-07-29 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: MD

Complaint narrative:
I XXXX XXXX believes that XXXX  XXXX XXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the Trans Union post attached, XXXX XXXX XXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX  XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX  XXXX has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXX is violating its subscriber agreement with XXXX, XXXX and Trans Union respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX 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 2020-07-29 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: MD

Complaint narrative:
I XXXX XXXX believes that XXXX XXXX XXXXXXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, XXXX XXXX XXXXXXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX   XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX XXXXXXXX has in essence placed it position as XXXX but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXXXXXX is violating its subscriber agreement with XXXX, Equifax and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I opened a business bank account for my company XXXX XXXX XXXX XXXX that i opened and registered with the state of Louisiana in XXXX of 2020. I made several deposits and i also linked an external account that i VERIFIED was my personal account and i am in fact the account holder. I did a balance transfer for {$1000.00} and everything went smooth. I tried to do another transfer for {$8000.00} and Chase did not allow the transaction to go through and FROZE my account to " protect '' me from suspicious activity. I called the Chase number and the representative could not give me any details on why my account is frozen except for the fact that they had to call XXXX XXXX and verify the account holder and the funding. I asked did they do this to everyone and he replied YES. My partner did a bank transfer for {$10000.00}, the next day and everything went through FINE!!!  After investigating this matter i am seeing that Chase is closing most minority XXXX XXXX account holders accounts. They are suspecting Fraud and or illegal activity when account holders are either transferring large amounts or deposing large amounts in their accounts. As we ALL know Chase has been heavy under fire on MULTIPLE occasions for XXXX XXXX and discriminating against XXXX minorities. I do not think it is FAIR and it's also embarrassing as XXXX that Chase bank is suspecting legit business owners of illegal activity. When going inside the bank and submitting required documentation Chase Bank is asking questions in a very aggressive and interrogatory manner suspecting ALL account holders of Fraud. I operate a legit business and have been operating for 3 years. I recently opened the Chase account to have more than one business account. Being in business it's not fun to have your account/funds tied up and you can't have access to them. I could've EASILY agreed to let Chase contact XXXX XXXXXXXX to verify the account but would i have to do that with EVERY transaction? Again, i wholeheartedly believe Chase needs to be investigated for their practices. This is ridiculous! I have no intentions on EVER doing business with this company again but they do need to be held accountable for their actions!!! I honestly believe a class action law suit should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX On XX/XX/XXXX the negotiator XXXX XXXX XXXX, asked us how long our buyer would need to close. We told her we needed 30 days on the approval letter. TWO WEEKS LATER ( XX/XX/XXXX ) she sent an approval letter only good for 10 days -- -- This only gives us 9 days to close!!! We, again, very explicitly told her in an email ( See emails attached ) that we need at least 30 days on the approval letter -- -- -- ESPECIALLY DUE TO THE ISSUES AND DELAYS THAT COVID HAS PLACED ON COUNTY RECORDING TIMES. -- -She IGNORED OUR EMAIL. -- -- -- -- We have sent XXXX XXXX multiple emails throughout the transaction that she has outright IGNORED. At this point it is obvious the negotiator at Selene has tried to force a closing on this short sale in order that she may get her bonus this month. Forcing the buyer and seller to rush to close also creates liability for contracting and/or spreading COVID.  This is knowingly endangering peoples lives and safety. -- -- -- -- WE HAVE ALREADY HAD TO FILE A COMPLAINT AGAINST SELENE DUE TO THEIR GROSS INCOMPETENCE. -- -- -- We want a short sale approval letter good for 30 days like we told her three weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one has me a a charge off which is not correct my pmt was mailed as u can see the discrepancies in th3 dates I have called complained dispute over and over I paid my balance and informed tech to close out my account BUT they didn't close it they left open which I didn't know and was continued being billed or whatever but I paid and closed now im charged off which is totally Inaccurate they want work with me i have only a few things on my credit we was in process of closing on house and I needed this removed but now I've lost earnest deposit everything I offerd to pay what ever they say i owe but will not remove or at least change to current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MA

Complaint narrative:
I have contacted Wakefield and Associates by phone and an email was send on XX/XX/2020 and XX/XX/2020 to XXXX XXXX at XXXX The following statement was provided. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at a company you represent for collection. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Wakefield and Associates absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, XXXX Police Report number XXXX Information, and Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
______________________________________________________________ At the moment no response has been received from the debt collector agency but the charges keep getting updated in multiple credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was sent to the wrong address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
sunrise credit services has called me at least 3 times a day from various numbers since XXXX. I answered and asked them to send me a letter of what this debt is they are calling for a they refuse to send any letter verifying the debt. I have also requested multiple times for a cease on calls. This has not stopped and if anything has become worst. The company calls from multiple different numbers and request that you verify multiple pieces of information without ever stating they are calling for a debt. This company is harassing without allowing you to verify the debt at all. attached are the multiple numbers and the amount of calls I have received from them

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