vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Good afternoon, On XX/XX/XXXX and XX/XX/XXXX my XXXX  credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from XXXX. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from Mercedes Benz Financial requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from Mercedes Benz Financial Services stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to Mercedes Benz Financial Services who pulls it again. I stated that the dealer did not indicate that MBFS would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MD

Complaint narrative:
I recently emailed the company regarding the late payments on my credit report and have yet to receive a status and or update of the results for the removal of the late payments being reported to my account. All payments on my account are current and up to date, and I would love to receive a resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IA

Complaint narrative:
XX/XX/2020 Western Union money transfer. 
XXXX was purchased, Western Union did not include last name on purchased amount from sender, receiver could not pick up money transfer. Approximately 15 times contact with WU has been made. XXXX XXXX grocery chain that offers WU was asked to make copies of ID of sender and receiver which was completely taken and delivered to WU. WU stated they would refund purchased amount, WU stated sender could pick up purchased amount with every time it was not done. Expedited action was to be taken again, nothing. Now they state ID is invalid, which is not true, ID was photographed and sent to WU. 24 hours ago again was promised refund, again not able to pick up. Today WU stated case is closed. This is a wire transfer company that refuses to refund our money. We have done all requirements to WU to acquire our money back. They are stealing our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase - J.P. Morgan Bank, N.A. 
XXXX, Ohio XXXX They have closed my account and I can not take out my checking account money ( {$32000.00} ) and retirement amount of {$550.00} for a total of {$32000.00}. Date was XX/XX/2020. I have tried many times to get my money but they are refusing. 
They have accused my Husband of money laundering and fraud. He has proven to them that is not true. They have refused giving both our money back to us. We had ( have ) separate accounts but my name was on his account as beneficiary and he was on mine as beneficiary. 

Hope you can help - my last resort is hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I had taken out a personal loan and have gotten into a financial hardship due to my roommate losing her job due to Covid and not able to pay her part of the bills. I have let them know that I have falling into the hardship and working on trying to get them paid but right now I cant. I have received several phone calls at my job. I have asked them more than once not to call me at my job as we are not allowed to receive any type of personal calls. I have asked XXXX the manager to quit calling me at my job and she has continued to call me at job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Since XX/XX/XXXX I tried twice! and gave Penny Mac mortgage services XXXX, a chance to submit a refinance which is my current home mortgage. They insured me it was an easy process, which it was far from an easy process. I had no alternative but to seek out a local loan company in XX/XX/XXXX to refinance my current home loan which was been a pleasant experience by far. 

The problem arose when it came to signing the original loan documents to complete the refinancing process, the loan documents never arrived to the mobile notary for signatures. Penny Macs explanation was it was an internal error? I had to keep calling the loan officer for updates, Mrs XXXX XXXX kept indicating she was stressed and over worked? 

The original loan officer was XXXX XXXX, then I talked to her supervisor XXXX XXXX, he assured me they would follow through to succeed with the process, Talking to Mr. XXXX was no help either. 

They even tried to assign the refinance to a second loan officer XXXX XXXX after the second failed attempt. 

Additionally, on XX/XX/XXXX I discovered that my property taxes of {$1600.00} for XX/XX/XXXX had not been paid, when I had the money in my escrow account. I had to call Penny Mac & spent an hour trying to investigate what happened? The rep XXXX XXXX @ ext XXXX assured me the matter would be rectified & the penalty imposed by the County of XXXX, Ca for late payment of {$160.00} will be paid by XXXX XXXX. 

In my 30+ years of being a homeowner & being a licensed California XXXX myself, I have never encountered a mortgage business so incompetent, I have refinanced homes in the past with no problems and helped a number of clients go through the refinancing process. I understand fully how the process works. It was stressful & I was patient with this company & they failed miserably. 

Currently I am on the cusp of closing my refinance XXXX XXXX, XXXX ) with another local lender. My complaint is merely to warn consumers about this company and Im amazed they are still in business. Hopefully with this complaint consumers will be made aware of the business practices of Penny Mac so they can avoid the stress that I had to endure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was having financial troubles as part of the aftermath of Hurricane Irma back in XXXX. During that time Ive dealt with making a plan to try and catch up. I explained various times what was happening to me and they worked with me. Moving forward to XXXX, I was laid off Of work due to Covid-19 in XX/XX/XXXX. I informed all the companies I had bills with of the situation. I was then rehired in mid XXXX. Fast forward to today, XX/XX/XXXX, Discover credit card without notice decided to close my account with them. I had spoken to an agent on XX/XX/XXXX to strike a deal and plan to get current by tomorrow. XX/XX/XXXX XXXX. It appears my request was ignored or denied without notice. Whatever you do, dont apply to Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted a fraudulent claim for charges on my account with my bank BBVA on XX/XX/XXXX. They have only refunded me {$40.00} out of the {$700.00}. As you can see we are well over the 90 days. Every time I call they out me on hold for over 45 min and then hang up. Theyve been giving me the run around that the investigators are on it and they are going to connect the call. And they leave me waiting for a long time and hang up all over again. At this point theyve been pushing the dates so they dont have to pay anything and I am extremely pist. I want this resolved so I can close my account with them. Worst service ever. I need this fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
in XXXX of XXXX  we closed our mortgage with Pentagon federal credit union, after a 6 month process of misguided, multiple contact failures in their process. At closing the title co paid the taxes XXXX XXXX in the amount of {$3900.00}. This shows up in the county record as the title co paying this amount. 
On my XXXX penfed mortgage statement they show a disbursement for the same amount to the county that was paid on XXXX for {$3000.00} the county refused the payment, because it was already paid. 
My escrow had a negative balance till XXXX. The XXXX statement showed a $ XXXX deficit in escrow. 
Even though I have asked multiple people to fix the problem and find where the check number went that was issued to the county, they will not accept responsibility, nor put me in touch with some one who can. I think they owe me interest on the money not in my account as well as an effort to fix the problem. They just sent me an increase in payment statement for {$500.00} more per month to fix the problem they won't. I have spent hours on the phone trying to get som one interested in this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Bank has not transferred the money from a CD to another bank despite meeting their every request. Every time I comply with their request they require an additional information. I have spent hours with them on the phone. It appears to me that this may be a failed bank that doesn't have money to wire out. I've talked to three different people over eight days and each time I'm told a different story. I offered to drive to Missouri from XXXX, Ohio where the bank is located but the bank people I spoke with say there is no physical place to present myself. The Ally Bank website says they wire money out money the same day after verification. The people at the bank always create a new roadblock. I faxed my driver 's license to them and received a verification from my fax system but they said they can't locate the fax. Then they told me it takes them 24 hours to receive a fax. The next day, after 90 minutes on the phone with the bank people they told me I have to know the phone number the fax was sent from. My fax is attached to my office phones and its a roll over system so I don't know the fax number. Then they told me my signature doesn't match my driver 's license signature so I had to sign the form again like the signature on my license and send it on their " secure '' email system. XXXX ( employee # XXXX ) ALLY floor supervisor, said he doesn't know who regulates his bank.

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