vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: OH

Complaint narrative:
I let Transunion know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I've contacted Online Information Services by mailed letter on two occasions to resolve my issue. Both times the company disregarded my concerns and stated that they have no legal mandate to investigate my concerns any further than what they did. I sent my first letter by mail on XX/XX/2021, advising that the information contained in the account that is on my credit report is incorrect, and contains errors. The company 's response to my letter was a bill, that also contained errors. I reached back out to the company advising that a photocopy of a bill was not debt validation and does not prove that I owe the said debt. The company then responded again stating that they are not required to validate the debt any further, even with the errors it contained, proving I am not the account holder. MY rights as a consumer are for the debt collection company to provide actual PROOF that I am the account holder and that all areas of the account must be true and accurate, free from errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sunlight Financial LLC
State: IL

Complaint narrative:
On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at XXXX different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were XXXX, XXXX, Sunlight and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I'm currently in a process of a Re-Finance/Mortgage with another company. I received a notification from my Mortgage Broker and the Underwriter that Mr. cooper has place my account as a Disaster Relief Plan as of XX/XX/2021. I had not consent or had any knowledge of this ILLEAGAL ACTION, also they are not reporting my CURRENT NO LATE PAYMENTS FOR XXXX MOS. on the credit reporting system. This is defrauded the government money, defamed my credit and lied on my mortgage payments history. My Mortgage Broker and I was on the call with the consent of me that he may speak on my behalf, we ask them to correct and remove from credit reporting with a letter, within 24 hrs. as we are in the final stages of closing. They said no it will take 30days. This is from the rep XXXX XXXX stated she can only send a positive history transaction. in reference to this ILLEAGAL ACTION that they place " of their error. '' I was not affected by the COVID pandemics and I've been making my payments for many years. My family and I have reside in this home for 21 years. 
My Mortgage Broker had informed that NATIONAL STAR/ DBA MR COOPER has been sued multi times of defaming the government and their consumer base on the publications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX  ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2022-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I SENT PROFESSIONAL CREDIT MANY OF DISPUTES TO PROVIDE ME PROOF OF ALLEGED DEBT, ITS BEEN OVER 6 MONTHS, AND THEY HAVE YET TO PROVIDE ME ANY PROOF OF PAID DEBT, THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT 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 2022-01-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with FirstMark Services and they have continued to violate my consumer rights. They have used my consumer credit to not only harass me for {$3700.00} but also blackmail me and stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. On XXXX and XXXX I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They have also continued to send out debt collection on post cards to me as well as my deceased grandmother, being in violation on 15 USC 1692B ( 4 ). They continue to violate me with their negligent and willful behavior which has not only damaged my reputation, causing my credit to be denied, but also made be lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
Spoke to Discover fraud specialist regarding a recent denial letter of a personal loan that I have not applied for. Reference # XXXX XXXX XXXX. How can I prevent fraud from happening, or stop scammer from using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Our 3-year lease with Mercedes Benz Financial on our XXXX XXXX expired on XX/XX/XXXX. We decided to purchase it and signed a loan with XXXX XXXX XXXX XXXX  on XX/XX/XXXX. We were in an accident and totaled the car on XX/XX/XXXX. Mercedes Benz Financial told me by phone that they received XXXX XXXX XXXX XXXX  's payment on XX/XX/XXXX. 

XXXX XXXX, our insurance company, determined the car was a total loss. However, they can't settle the claim because Mercedes Benz Financial has not transferred the title. For 3 months now, I have been making payments on the XXXX that I no longer have. My husband is still hospitalized as a result of the accident and I have to drive our XXXXold truck because the insurance claim can't be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a transaction with XXXX  and was charged a cash advance fee by Chase for this transaction which was not disclosed. I've never made a cash advance before and never would have made the transaction if I was aware. I asked Chase to remove the fee on a one-time basis but they refused even though I immediately paid the full cash advance balance. 

I did research this online before the transaction and found several websites that stated it's not a cash advance. Chase apparently recently updated their terms of service. I realize I am bound by this, but I am also not a lawyer. 

I realize there will also be interest on the charge which is ok but I am asking Chase to remove the excessive fee as a courtesy given that it was a mistake that I quickly rectified and given my long relationship with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One is not allowing me to complete a request to do a charge back. I dont think I have ever done a charge back but I bought a bracelet with a warranty and the company is not sending a return label to return the bracelet. 
It is not the quality promised. 
I have XXXX days to return. 
I work nights/graveyard and its very difficult for me to sit on hold for an hour to deal with Capital One. 
I sleep during the day and wake up only to eat quickly. 
This is very frustrating as the company wont assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA closed my savings and checking account on XX/XX/2021. I called 4 times asking why the accounts were being closed and all I was told was it was a management decision and I could not be told why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My car with Capital One was a simple interest loan that is only afforded to XXXX Americans by Capital one. 
Nevertheless, Capital One on XX/XX/XXXX, gave a total payout balance of {$26000.00}. They received a check on XX/XX/XXXX, in the amount of XXXX. I called on today and spoke with an agent XXXX who asked for the check number and confirmed they did receive the check but it is going to take 10 business days to process this check. This is so Capital One can collect on simple interest payments. They also refused to accept the payment as of XX/XX/XXXX, because it would stop them from collecting simple interest. 

I was in a car accident hit by a truck. I called and spoke with an Executive Team member who was compassionless and arrogant. 

I put down XXXX on this car and the interest XXXX  anyone who can't afford to pay it. If the agent can see that they have received the check at XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX why can Capital One process the payment and get me out of the loan terms without charging me extra interest? The car was a total loss. I am going to report this to the XXXX  and My Secretary of State. This is really awful. Keep in mind they gave me a credit line increase on my business card. Capital One is not for its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( 12 ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You 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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
I own a condominium and my HOA pays for the homeowners insurance. I have a mortgage with Rushmore Loan Management Services , LLC. On XX/XX/XXXX Rushmore sent me a letter requesting a copy of my condominium master insurance policy. On XX/XX/XXXX I sent them a copy by fax ( 3 times ) and by mail of this insurance policy and also my HOA sent them a copy. On XX/XX/XXXX I call Rushmore to follow up and they confirmed receipt of insurance policy, they told me they got it. 
This corrupt and fraudulent company, Rushmore, keeps sending me letters requesting this same insurance policy and is harassing me saying that they will buy insurance and I have to pay them {$690.00} because they have not received the copy of my HOA master insurance policy. On XX/XX/XXXX I just got another letter with the same harassing words demanding proof of insurance or to pay them {$690.00}. On XX/XX/XXXX I call them to find out what is going on and they put me on hold for hours, then transfer me from person to person, then they just hung up. 
This has been happening with this company every year, and I have no choice but to seek for help with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
Debt collection company XXXX XXXX XXXX is reporting on my credit a debt of {$850.00} for an original creditor listed as NCP Finance Limited Partnership. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to XXXX XXXX XXXX directly. I sent another letter directly to XXXX XXXX XXXX on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Sofi credit card had a promo around XX/XX/XXXX of offering a 5 % cashback for the first 12 months with a qualifying direct deposit of {$1000.00} per month. Then around the next month, they claim they made a mistake for 5 % but it should have been for 3 % cashback, which is fine for me. I can understand and accept that. I was earning 3 % until XX/XX/XXXX ( therefore I was only earning for around 2 months only ). The 3 % started becoming 2 % cashback and I spoke with phone reps 2 times to dispute this and once on online chat. I was still qualified since I met the {$1000.00} per month in direct deposit. I was also told that they would investigate the situation and see what went wrong. Today is XX/XX/XXXX. I have yet to hear a response back so I decided to message them on chat. The chat rep said that I hit the cap of XXXX points for the 3 % promo. I do not recall any maximum cap for XXXX points. I was not given any terms of conditions that stated that I had a cap of XXXX points. As I ask the chat rep to provide the terms of condition for further proof, the chat rep stopped answering me. Screenshot will be provided of the chat log. I think that Sofi is abusing their system and not following their own protocols. I wanted to report this for further investigation as Sofi is abusing their internal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My servicing company is Select Portfolio Servicing, inc, account number XXXX. 
I have requested that they setup an escrow account for my delinquent taxes that arose due to Covid-19 and my recent Chronic XXXX XXXX diagnosis. My request was denied with not concrete explanation. Other mortgage companies have made exceptions for individuals impacted by Covid-19 and these people are disrespecting the impact the virus is having on people. I am XXXX months ahead on my mortgage and my credit score is in the mid XXXX. So in my opinion a denial is unwarranted. 
I am requesting a full investigation into their unlawful practices since they dont do things right and this has been my experience throughout my tenure with them. For example when I overpaid they returned the money rather than applying it to my account. Now they refuse to provide assistance to those impacted by a pandemic. 
This is a horrible business practice and I beg you to investigate their uncooperative practices. 

Additionally, I will be contacting the Attorney Generals Office. I can be reached at XXXX if you need additional clarification. 

Best Regards. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/2021 closed account.Capital One stated that they had sent a {$260000.00} cashier 's check by a first class mail to our address. They weren't able to give me any sort of tracking number I don't think.l That they ever sent it. Weeks later we never received it. Contacted Capital One and they stated that we had to sign an affidavit that we never saw the check and then they would reissue another one or transfer it into an account for us within a week. I did sign the affidavit with said that they have up to 90 days to give us our check. It also states that they can at their discretion give you a check at any time. I have been trying now for 3 months to get this money and it has gone up the corporate chain and they have decided that they do not want to give me my money so I was left through XXXX XXXX XXXX XXXX the worst of the pandemic so far without this money that I needed desperately. This is my third complaint and all they say is in their responses that they are working on it.

Company response to consumer: Closed with explanation