vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I summitted a FTC report which states they must remove fraudulent information from my report which they still have not done.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I summitted a FTC report which states they must remove fraudulent information from my report which they still have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy 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 2021-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been working on my credit for almost a year and have been sending disputes to experian, XXXX, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have experian delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have experian, XXXX, and XXXX remove the following incorrect XXXX from my credit reports : XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
Scammers called my bank and informed them that I had lost my debit card and change my address to their. These are the same people that scammed me out of over XXXX They continue to harass me.telling me that the police can not do anything because this is not a criminal suite but a civil suite . NO one will help me I have contacted XXXXgovernment entities to my dispute I am on my own.

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 2021-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave Department of Education/Navient any written consent to report anything on my consumer reports. no consent is identity theft. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security card was used in the transaction.

According to 15 U.S. code 1666b the timing of payments, Department of Education/Navient is in violation to my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021, I locked in a XXXX XXXX fixed rate XXXX loan with Amerisave. Per the disclosure, the rate is good until XX/XX/2021. Over the next month, Amerisave repeatedly made basic calculation ( and other egregious ) errors with the loan including : XXXX. Misstating my income as {$5500.00} per month. I make ~ XXXX XXXXXXXX which averages to XXXX XXXX per month XXXX. Listing that I wanted XXXX XXXXXXXX in cash-out when I did not request any cash I repeatedly called the loan officer ( XXXX XXXX XXXX but did not get a response. I then contacted customer care for Amerisave. XXXX XXXX entered onto my file that he was in contact with me ( he was not ). He further stated that he informed me that my loan was closed due to my debt to income ratio. 

On XX/XX/2021, I asked that the issue be escalated and spoke to XXXX XXXX XXXXXXXX XXXX  Supervisor ) and XXXX XXXX XXXX ( XXXX of Sales ). They apologized for XXXXXXXX XXXX failure to contact me, and erronoeus statements that he had placed in my account. XXXX then asked XXXX to not contact me. XXXX ( XXXX ) informed both me and XXXX that some else would be assigned to my account. Shortly after XXXX spoke to XXXX, XXXX called me. 

I informed him that his XXXX stated that he was not to call me. XXXX went on to ask me to call XXXX and XXXX and ask them to place him back over my account. The conversation was completely intimidating and awkard. Later that night, XXXX XXXX called me back. He stated that Amerisave would not honor the locked in rate of XXXX XXXX at XXXXyears. I asked with all of the mistakes that Amerisave made and the extremely poor behavior from the loan officer could they honor the locked in rate. He stated no and offered me a XXXXyear at XXXX XXXX 

I have paid this company {$500.00}, and had been in a holding pattern for over a month been escalating the matter. I am requesting that they honor the offer they made ( yes I have the disclosure form documenting the locked in rate ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
I do not any of the companies on my inquires I havent done any business with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CarMax, Inc.
State: PA

Complaint narrative:
I do not any of the companies on my inquires I havent done any business with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I filed for bankruptcy XX/XX/2021, but I continue paying my mortgage on time and they accepted it. But on XXXX bill, they wont let me pay online just like before so I paid by phone and only asked for {$1400.00} instead of my usual payment of {$1400.00}. Then on XX/XX/XXXX, they said I have to pay an additional {$14.00} to complete my mortgage payment for XXXX. On XXXX bill, I was able to pay online again, but this time, it has an additional fee of {$20.00} for property inspection. Then today, XX/XX/2021, I saw an additional fee of {$320.00}, said its for attorneys fee and property inspection fee again. I asked if I get charged property inspection every month, she said shell transfer me to the bankruptcy department who dont pick up the call. I started calling at XXXX am XXXX time because they are based in Texas. I was very stressed because of frustration. The last call I made today was at XXXX am XXXX time, still no answer. I called XXXX in California but referred me to you as the mortgage loan server was Federally insured or licenced. I dont want to be late in my mortgage payment but I cant afford to pay the additional {$320.00}. I appreciate any help you can give. Thank 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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TDBank offers a bill payment service with its checking accounts. On XX/XX/XXXX, an authorized transaction payment of {$100.00} was sent to XXXX XXXX XXXX via bill pay. On XX/XX/XXXX my checking account showed a pending payment of {$100.00} to XXXX XXXX XXXX  I immediately called TDBank and a male the CSR told by me that XXXX XXXX XXXX pulled the {$100.00} from my account. XXXX XXXX at XXXX informed me that they did not and could not access my account. I again called TDBank and XXXX offered that there was a problem with bill pay system duplicating payments already made. I told her that is my reason for calling and she required i complete a dispute form and that it would only take a few days. Three days later, XXXX at TDBank told me I must wait 8 days for a response and on XX/XX/XXXX {$100.00} was deposited into my account. An XX/XX/XXXX email fromTDBank confirmed the deposit, advised that my XXXX XXXX was suspended, unable to recall the XX/XX/XXXX XXXX & XXXX payment I had to repay {$100.00} to XXXX, their XXXX XXXX XXXX XXXX finally, they threatened me with Collections. Tuesday XXXX I visited my TDBank branch and XXXX was left holding for 20 minutes and told to call XXXX. Today, XXXX I called XXXX and told XXXX that I live on a fixed income and could not pay until XXXX she abruptly told me to call back then and that my account would remain suspended until then, no matter that my creditors would not be paid and now payment info needed is not available. Then I called TDBank and was told they could not unrestrict my access to XXXX XXXX. I was referred to CFPB by Federal Reserve CSR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: WI

Complaint narrative:
My XXXX XXXX  charge was reduced to a disorderly conduct and should be reflected as such. This was done through the District Attorney office of the XXXX XXXX Court of Wisconsin after I disputed their jurisdiction. The charge was reduced over the phone the day before trial and I pled guilty to a disorderly conduct. As this is how it was finalized please adjust in your system as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Please see attached statement from the previous loan holder for our account. This states that a balance of {$280000.00} was transferred to NewRez and not {$280000.00}. 

You will realize XXXX payments were made - XXXX on XX/XX/XXXX to XXXX XXXX XXXX and XXXX to NewRez on XX/XX/XXXX. Hence, your opening balance should be {$280000.00} not XXXX. The opening loan balance for XXXX XXXX lending was {$290000.00} - after XXXX payments of a total {$4100.00} - the principal being transferred was already {$280000.00}. NewRez is only taking XXXX payment into account while doing their calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Service Finance Holdings, LLC
State: CO

Complaint narrative:
This is a reply to XXXX. 

I am now believing that Service Financial may have altered or been given false information from the contractor. 

We are requesting : # XXXX ) The original contract # XXXX ) The release from the owner of the house that signed off when the work was completed. 

# XXXX ) Any additional contracts that the contractor is claiming to have with the owner of the house. 

I am willing to entertain the idea that Service Financial may have been misled by the contractor or representatives of the contractor. The person that was working for the contractor was terminated shortly after my issues with the incomplete job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I am a US citizen. I have had a CapitalOne credit card and savings account since at least XXXX. I moved to XXXX in XXXX because of my husband 's federal job. We retired in XXXX and stayed in XXXX. While living here we went paperless because the mail from the US is unreliable and slow, risking late receipt of bills and payments. Until XX/XX/XXXX, I had been able to go on-line to view my account, reconcile charges, make payments, and transfer money. Suddenly CapitalOne insists on XXXX step verification for security purposes using a US telephone ONLY. They refuse to use my XXXX telephone or my XXXX for XXXX step verification ( yet they use my email to let me know about posted credit card payments! ). I also have accounts with XXXX XXXX  and the XXXX XXXX XXXX XXXX and they do XXXX step verification with my XXXX phone and my email without any hassles. If they can do this, why can't CapitalOne? Although my credit card and savings accounts are still open, I can not access them electronically. Cap1 has, in effect, refused service and cut me off without any grounds other than where I live. What if XXXX and the XXXX decided to do this? That would be tantamount to preventing me from being able to live in XXXX. Does Cap1 have other US customers who reside overseas, perhaps XXXX XXXX  service members, embassy personnel, federal employees, international businesses employees? Has Cap1 cut these customers off too? Is it legal to demand that a US citizen and Cap1 customer residing overseas only use a US phone for XXXX step verification? We tried already to get a US phone to use here -- US Voice Over Internet Protocol ( VOIP ), but Cap1 wouldn't accept that. No US provider will otherwise let us have a cell phone because we don't live in the US. When I called Cap1 to complain, their proposed solution to my problem was to use the phone of a relative in the states for the XXXX step verification. That is impractical. Overseas calls are expensive. Most of my relatives are elderly and not computer savvy. I can not inconvenience my relatives every time I need to access my Cap1 accounts. The window of time allowed to input the verification code would have long expired by the time I called a relative in the US. And what if I had no living relatives?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
The companies are reporting inaccurate information that is not mine. I am having difficulty in normal everday life because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mr. Cooper  aka Nationstar was not been reporting my mortgage payment history since they took over the loan in XXXX, XXXX. I have spent the last 9 months trying to get them to report it retroactively but have only succeeded in getting them to report as of XXXX, XXXX. I have made multiple requests each month since then and each time they promise to resolve it and each time they do not. This is their legal obligation to report correctly under the Fair Credit Act, and yet they continue to fail at resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX and I use Venmo to work with each other on bills. 

An emergency happened here and she transferred me XXXX dollars to help me here. 

Now Venmo has locked my account and is keeping XXXX dollars I need to pay bills. 

I contacted them. They want me to doenload an app that wont download to my phone. They wont accept information from my secure VPN based land system. 

I still owe that money to cards and that money belong to XXXX or Me. Not venmo. At this point I condiser this theft. They might have locked my account, but they can give they money back to XXXX. They wont do that either. 

Back to fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Webcollex, LLC
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : CKS Financial CKS Account ID : XXXX Balance : {$17000.00} Current Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  Original Account Number Ending In : XXXX

Company response to consumer: Closed with explanation