vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been watching my credit and Transunion has not timely updated my report with the correct up to date information. My score is not calculated correctly as in positive changes to my report decreases my score instead of increasing my score. My score with Transunion is 100 points lower than other bureaus because they are not reporting accurate nor in a timely manner. I have disputed with them in writing about this matter and when I call I can never speak to anyone. This is unfair reporting processes. I need help with speaking to a live person that will be able to understand that they are the bureau thats lagging in time and does not hold accurate information. They should not be allowed to report if the consumer does not have the ability to rectify wrong information. This is unfair!

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.

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 2021-01-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. FORTIVA MC/XXXX  Opened XXXX XXXX XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA FORTIVA MC/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
In XXXX of XXXX, I requested a forebearance plan, as I am was unsure how our household income was going to be affected by COVID. We did in incur a deferral balance from XX/XX/XXXX to XX/XX/XXXX, wherein the loan was reinstated and normal payments were to resume. I applied for a refinance and attempted to pay the full deferral balance on XX/XX/XXXX. The funds were not applied as I requested and was informed that they would be. As such, we are now at XX/XX/XXXX and my refinance is pending confirmation of a {$0.00} deferral balance. I have been misinformed, mislead, and left out in the dark by Lakeview Loan Servicing.

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 2021-01-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CO

Complaint narrative:
We received two Good Faith Estimates before closing. One in the application and one after the appraisal came in {$5000.00} less than estimated in addition to the initial estimates provided ( also 1.96 % ) which we used to choose AAG vs other mortgage companies. 

Both XXXX 's before closing indicated a " Margin Rate '' of 1.96 %. The index rate dropped before the second XXXX so the initial rate dropped from XXXX to 2.796 % but the Margin Rate remained the same. 

However, at closing the Margin Rate was increased to 2.51 % to bring the initial rate back up to 3.180 % giving AAG an additional 0.55 % of profit for the life of the loan and penalizing us when the index rates go back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Portfolio Recovery Associates. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the accounts and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I had a credit card that was sent to a collection agency by the card issuer. The collection agency that they chose to collect this debt sent me a letter offering a settle for less than full balance. 
I paid this amount and requested the amount be corrected to a XXXX  balance on my credit report through XXXX credit reporting agency. They responded with a statement showing that the original creditor states that the balance is correct.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union has just tried switching all of its members to a paid checking account model without notice except for a social media post. They have claimed that emails went out, when in fact several thousand customers all agree this did not happen. 

This seems fraudulent and sneaky at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Hi, I was contacted in XX/XX/XXXX by Phoenix Financial Services regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from Phoenix Financial Services for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for a credit card with American Express on XXXX2021 and was denied a credit card. This is in violation of The Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. 
I looked on line to determine what the letters meant and found it was a debt service. 
I do not have any outstanding debts and see no need to be harrassed by the continual calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent dispute letters to both transUnion and XXXX  showing the inaccuracies they are reporting but have been getting responses stating that the accounts are accurate. Both have been reporting false information. I've been getting reports from different agencies going back at least 2years showing my reports being manipulated. I recently contacted all the creditors asking for information about these accounts and how they were reporting. XXXX XXXX  responded to my letter stating they didn't have any account with my name on it. I sent a copy of the letter to tranUnion and XXXX. They are totally disregarding the proof and continue to report these accounts. I didn't want to clutter up your office so I won't send all the proof I have of the continued violations and false reporting. If you take a look you can plainly see what has been occurring with my reports. XXXX  had the good sense to cease reporting these accounts. Therefore my complaint doesn't involve them. In these copies you'll see the many violations, gross negligence of these 2 bureaus reporting practices. They have kept my credit reports hostage for years resulting in my having to pay higher interest on my accounts I've been able to open in the last several years! Please advise me on the proper steps I need to take to get this handled. Thanks.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I attempted to open an account online with US Bank, which advertised a bonus for opening the account online. However, it gave an error. I thus went into a branch, and a representative conferred with another representative that the bonus would be able to be applied to my account even though it was not opened online due to the technical problem with U.S. Bank. Thus, a total of 2 representatives confirmed the bonus would apply. However, the bonus never came. The representative I worked with has supposedly appealed to the promotions department, and been denied. This is essentially a bait-and-switch because a promotion was promised that was not delivered.

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 monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had a car 15 years ago. I turned the car in to XXXX XXXX sales and got a new vehicle. 
They resold the car and told me i didn't owe anything back to them. 
This was not supposed to be on my credit. Only Transunion is reporting this. It is not a debt i owe at all. This is messing me up to get a mortgage.

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 2021-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
While at the XXXX XXXX XXXX XXXX dealership in XXXX Ca because it was close to a friends house on a weekend. When I did not see what I was looking for the salesperson did a good job of listening to me and took the time so search the inventory. We walked to the back lot and I found a vehicle that met the criteria I was looking for. I decided to listen to their offer based upon the performance of their sales person. I have excellent credit and little debt so I was confident I could buy it. During the course of negotiation and closing I was told several things that were complete lies and overcharged by an outrageous amount. The smallest lie was that they refused to negotiate because they had shopped over XXXX competing dealers and their price was the lowest guaranteed. They kept emphasizing they guaranteed it was the lowest price because they had done all the work for me. After closing I found that the dealership close to my home was cheaper. I wasn't too upset. The largest and most disturbing lie was during the financing I was offered gap insurance at a cost of {$800.00} and was told that it could ONLY be obtained at the time of closing and that if I did not take it right then and there it could not be purchased later through any other source. I took the gap insurance because I did not want to be exposed. The first available business day I called my auto insurance provider to place the vehicle on my auto insurance policy and the agent offered me gap insurance. I told them about the conversation with the F & I guy and she told me that was completely untrue. I went online and found that many insurance companies offer such insurance on leases. I took the gap insurance through my normal auto insurance agent and the cost was {$56.00}. Yes that is correct, {$56.00} versus {$800.00}. I sent them an email through their website communicating my desire to cancel the gap insurance and called. I was placed on hold for so long it was intolerable. Finally I was able to speak to someone in Finance and communicated that I wanted to cancel gap insurance. I was assured it would happen. My payment documents came and I have made my payment. I called Toyota Finance and they have absolutely no record of cancelation. I called XXXX XXXX again and had to leave a message. I asked for a call back in the next 3 business days and gave clear detailed call back information. No call back. I can not get a response from them. I am left with no choice but to file a complaint with CFPB and the State Insurance Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please research then remove the following hard inquiries made to my credit reports : 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 explanation
Consumer complaint received 2021-01-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please research then remove the following hard inquiries made to my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a deferment on my auto loan from XXXX, but Navy Federal reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with XXXX  and contacted Navy Federal who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with Navy Federal being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with XXXX, but their online service is refusing to take additional information from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. 

In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). 

From my perspective, the card was active upon purchase " i.e. activated at register ''. 
Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. 

I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. 

In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. 

On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.

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 monetary relief