vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. These incorrect addressses on my credit report also place me as a potential victim of identity theft and fraud as mail for me may possibly go to these addresses that I have never lived because they are listed on my credit report. I have sent requests multiple times to Experian concerning on this issue and they have failed to respond

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My loan was sold to Flagstar Bank effective XX/XX/XXXX. I called customer service to confirm if I needed to submit a one-time payment before my auto-debit payment began, which their system said would begin XX/XX/XXXX. That would mean I would not have made a XX/XX/XXXX payment and I did not want to skip a month of payments. 

The service rep explained she would process a one-time payment for me on XX/XX/XXXX and did so over the phone. She also recommended we cancel the auto-transfer that was pulled over from my previous servicer ( XXXX ), and that after the processing of the one-time payment I could set up an auto-payment for my preferred date of the month. 

Somehow, instead of 1 payment processing for XXXX, they processed 2 payments, one on XXXX and one on XXXX. Calling customer service was little help and I had to do several hours worth of calls to Flagstar, my bank, and come up with paperwork so that I could get a refund, which has not yet started processing.

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 2021-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted evidence that a debt is false with my bank statements and how much the account costed, and the total amount I have paid and they will not remove the debt from my credit. I have gotten it removed from XXXX and XXXX but Equifax will not. I have tried calling them on the phone to dispute this but they are not answering my calls. I am basically being blackmailed into paying a debt I do not owe because they will not look into my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: NV

Complaint narrative:
This loan is over 10 years old and has since been transferred or closed. Trans Union refuses to remove it. 

ACCT # XXXX, No balance reporting.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: SC

Complaint narrative:
Someone opened an account with XXXX under my name without my knowledge. The account was placed in collections about eight months ago, balance owed XXXX. I filed a dispute with the three credit reporting agencies and the collection was removed from all three ( XXXX was removed XX/XX/XXXX ). 

First notification of this debt was received from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) Second notification was from XXXX XXXX ( XX/XX/XXXX ) Third notification received from Afni ( XX/XX/XXXX ) I dont understand how the same debt can be handled by three different collection agencies nor do I understand or think its fair that every time I fight to have the debt removed it is given to a different collection agency and the process starts all over again. 

This is an absolute violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CA

Complaint narrative:
I have been disputing one account that is on my credit report for XXXX and Equifax and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2021-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
On XXXX XXXX i started making monthly payments for {$500.00} on a XXXX XXXX XXXX. It has been over XXXX years and my balance owed is still almost the total price of the loan. The original loan amount was {$17000.00} and my balance owed on the car is still XXXX. How can this be? This company American Credit Acceptance is has been applying my entire monthly payment to interest only. This is terrible! I have tried requesting XXXX and no one is ever available to assist me.How can I still owe this much after almolst XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid all of my XXXX overpayments as well as having all my student loans paid off, but transunion is still reporting a balance, although XXXX and XXXX  is not. I am trying to obtain a mortgage, and this is gendering the loan.

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 2021-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Got a late fee after paying for an expedited payment which came out the same day but they didnt credit it till the next day and even though I was told I wouldn't get a late fee they charged me a late fee anyways on top of the expedited payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07 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: NY

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by XXXX law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested a credit increase on my Chase credit card. I thought they were going to pull a soft inquiry. I was never told me that they were going to pull a hard inquiry. I want the hard inquiry removed or converted into a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CT

Complaint narrative:
XXXX of last year somebody opened up a XXXX account under my name I immediately contacted the bank that issued the account and they canceled it within an hour and a half of it being opened a hard inquiry went on my credit report through Trans Union Trans Union was notified by XXXX XXXX XXXX  that it was a fraudulent account taken out without my knowledge and I was not responsible for it and it was closed and to take off the hard inquiry on my credit report more than a year has gone by and Trans Union still has done nothing to remove the hard inquiry from my credit report

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
THIS COMPANY WAS TRANSFERRED OVER TO THEM ON XX/XX/2021. THE MORTGAGE COMPANY HAS BEEN SOLD TO SN SERVICING CORPORTATION AGENTS FOR XXXX XXXX XXXX XXXX AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... I HAD REQUESTED MORTGAGE ASSISTANCE FROM THIS COMPANY I HAVE SUMMITTED ALL OF THE INFORMATION THAT THEY HAVE ASKED FOR INCOME, PROPERTY TAXES, INSURANCE ON PROPERTY, A MONTHLY PRINTOUT DUE TO COVID HARDSHIP IM NOT MAKING THE INCOME I USE TO MAKE ITS BARELY ACCEPTABLE ... THE COMPANY HAD TURNED ME DOWN NOT WILLING TO WORK WITH THE HOMEOWNER THE RATEFOR THE PROPERTY IS OVER XXXX  % WITH A LARGE MONTHLY PAYMENT ... ITS A XXXX LOAN WITH AN ADJUSTABLE RATE ... THIS COMPANY STATED THAT THE XXXX WANT TWO OR MORE PAYMENTS A MONTH FOR XXXX TO XXXX MONTHS WHICH IS NOT AFFORDABLE TO THE HOMEOWNER.. ALSO THEY STATED THAT ITS A XXXX XXXX AND THEY DONT PRECIPATE IN THE GOVERNMENT CHANGES ... I THOUGHT THAT A MORTGAGE COMPANY SUPPOSE TO HELP THE HOMEOWNERS?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: PA

Complaint narrative:
hello my name is XXXX XXXX i am writing to delete the following information in my file. The items i need deleted are listed in the report. 
i am a victim of identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the the federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: FL

Complaint narrative:
On multiple occasions Ive disputed a false collection for a XXXX ( no longer in business ) device I never even owned and company refuses to provide proof of. They will not remove account from my credit. When sent complaint by CFPB they state they have no record of my account. This company is XXXX XXXX. Upon my persistence, they assessed a new account identical to the XXXX XXXX account in another name. Enhanced Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: MoneyLion Inc.
State: IL

Complaint narrative:
A fraudulent account was opened on XX/XX/XXXX and debited from my checking account on XX/XX/XXXX. This was the date I became aware of the account. I contacted XXXX and was told they couldn't find my account. I went into my bank on XX/XX/XXXX and cancelled my checking account by having it switched to a new account and account number. The transaction was an ACH debit. 

I filed the FTC identity theft report online and mailed it and additional info to Moneylion at the New York, New York address as well as the XXXX Utah address listed under disputes. I also contacted the three major bureaus by phone, online and by mail with corresponding information. 

I didn't have any progress so I filed a XXXX  report around XX/XX/XXXX. 

I've also worked with my XXXX XXXX XXXX / XXXX  team to correct this problem. My credit dispute came back as the account stays on. 

My credit score has suffered and I am in the process of procuring a loan. The fraudulent Moneylion account is hurting me because it shows up as a new account and raises my credit utilization. 

I've provided all the necessary info to the lender requested on the fraudulent account and it has not been removed. 

They made it easy to open a fake account but difficult for me to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one fails to process " correction of error '' as a standard for actual damages which cost me increased in denial to close on recent mortgage, lost of XXXX money of {$7500.00} and other caused my credit score drop significantly. when I expressed to capital one that they are exhibiting abuse of power knowing that I never received the card, no knowledge of terms of agreement of any annual fee, card was never activated, non receipt of any statements yet they placed the master card allegedly opened in XX/XX/XXXX of {$300.00} limit now negatively reporting sporadic late entries on my credit for months upon months for annual fees, late fees and interest for deceptive and false reporting. 

I learned of this issue in XX/XX/XXXX of the issue as i was not aware of this account reporting on me due to i have other accounts with capital one. Capital one is truly and the only one that reaped all the benefits of getting money deceptively from me while i as the consumer suffers reducing credit scores,, lost of {$7500.00} for earnest money in not able closing a mortgage loan due to that account reporting negatively and ongoing risks of high interest rates. The deceptive behavior of all at capital one continues to harm me. Not only has Capital one failed to conduct ethically under the guidelines of the FCRA but Capital one has willfully violated TILA and regulation Z 12 CFR 1026.9 - Subsequent disclosure requirements and only continues to act unfair and deceptive. Capital one agents expressed and promised to remove all fees and negative reports due to the facts of my having no knowledge of this card and told me to just pay AND THEY WOULD DELETE ACCOUNT. the ONLY OTHER legit cards that used with a master card of capital one as i was an authorized user opened in XXXX for limit of {$300.00} only other legal cards I have is the {$500.00} limit MC opened in XXXX card master card with capital one. I have been only abused and only received unfair and deceptive conduct from Capital one of all this false AND DECEPTIVE reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed this information in XXXX of XXXX was a victim of the XXXX XXXX breach and the XXXX XXXX  breach and my personal information has been used without my authorization. This resulted in harassment and XXXX and false or misleading representation which is in violation of Fair Debt Collection Practices Act Sections 806, 807, 809, and 812. The incorrect information is still showing up on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Integrated Asset Recovery LLC
State: TX

Complaint narrative:
I have a fraudulent debt from XXXX when my identity was stolen at XXXX XXXX XXXX, that i was taken to court on in XXXX, that the creditor didnt show up to, and this was dismissed, its been 10 years, but this is still destroying my credit, the creditor refuses to remove this and they constantly harass me from XXXX every day

Company response to consumer: Untimely response
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2021, they froze my account due to no reason. I was logging in but it said my account is frozen. I have {$60000.00} that I want to withdraw but I cant due to frozen account. I cant upload my ID because it is restricted due to frozen account. I emailed Gemini support and I received an email that it will escalate to another team but theres no response after that. I emailed many times to the same email but no response. I messaged through XXXX and XXXX, no responses. I tried changing my password many time to see if they can unfreeze, that didnt work. This is very unacceptable and irresponsible that they do not have a live person for customer support. Its automatic and you can not leave a message and they wont back to me. I want them to unfreeze my account and let me upload ID to verify to get the process going ASAP. Its almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was approved for a three month trial plan and what was told over the phone was absolutely great, a savings of about {$1000.00}. However after thoroughly reviewing the offer made, there is now a {$290000.00} balloon payment that will come due after I pay off the principal balance of {$360000.00}. 

My principal balance increased from {$330000.00} to {$360000.00} which is an increase of {$31000.00} Per my mortgage statement from XX/XX/20, I was behind {$22000.00} and granted that is a year ago so another {$3000.00} x 12 months should be added to that which is {$37000.00}. I understand that there may be foreclosure or attorney costs that may have accrued but {$22000.00} + {$37000.00} = {$59000.00} but don't forget, my principal increased by {$31000.00} so ( {$59000.00} - {$31000.00} = {$27000.00} ) Either one too many numbers were included on the balloon payment offered or that means the attorney and foreclosure fees have added up to $ XXXX. I fail to see how these numbers make sense.

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 2021-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
They contacted me and identified the debt amounting to {$670.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation