vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: CommonBond, Inc.
State: CA

Complaint narrative:
I applied for a student loan refinance with Commonbond ( commonbond.co ) on XX/XX/2020 in the amount of {$25000.00}. When they did the soft pull on me, I was offered a 5 year variable rate loan for 0.8 % APR. I opted to select that loan option and submitted documents verifying my Id, Income as well as my loan statement from my current financial institution. At this point in time, I also agreed to a hard credit pull given the rate was 0.81 % ( variable ) which was better than the 1.95 % APR loan I have with XXXX XXXX XXXX. 

After I did not hear from the company for a while, I contacted them again at which point in time they told me that the rate has increased to 4.26 %. I have been able to provide proof for the income I had stated in my application as well as any ID documentation they needed. This is purely bait and switch. I would never have accepted a 4.26 % APR to begin with as my current APR on my loan is 1.95 %. These practices are deceptive and in my opinion against UDAAP. Now, not only do I not have the lower rate, there is also a hard credit pull on my bureau which I would never have had if CommonBond had fairly disclosed their rates after the soft credit pull. I have screenshots to prove the rate offered to me. 

Very disappointed in the unfair and deceptive practices that CommonBond is following, and at the same time this is classic bait and switch. I hope you take actions against this company. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.

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 2020-06-10 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: I.C. System, Inc.
State: MI

Complaint narrative:
I got an alert from XXXX. It showed a collection had been added to my credit report. I called immediately. I have never received communication from this Company to have the opportunity to resolve it before it hit my credit report. 
I called and the Lady asked if I lived in Missouri. I have never lived in Missouri in the past 40 years. She said she couldn't release any information. I want this removed from credit report. It affects my car insurance rates and everything in my life. This is DISGUSTING.

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 2020-06-10 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:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF XXXX XXXX 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " 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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The bureaus are keeping the wrong personal info on y report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I already tried resolving this debt and this is the third affidavit I'm sending to PRA and I also made it CERTIFIED MAIL WITH SIGNATURE this time around. PRA already responded to the other accounts and i am not sure why account # XXXX with a balance of {$720.00} wasn't included as part of the resolution. I am enclosing another copy of a new signed affidavit, police report, identify theft report and the latest letter from PRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I received a bill for an end of lease disposition fee in the amount of {$420.00} from GM Financial leasing. I received it on XX/XX/XXXX, due on XX/XX/XXXX. Not much leeway time there. I called this week to see if I can get a waiver or partial waiver of this fee for the following reasons. 1 - I am still an existing GM customer as I have another leased vehicle, 2 - Due to COVID and the fact that I have XXXX XXXX XXXX my work situation has changed and my income has been reduced. and 3 - The vehicle was returned in mint condition and significantly under mileage. While the individual I spoke to was very cordial there was no consideration given to my request. I then attempted to file a complaint on the company 's website and when I went to submit ( tried 3 times today ) it said you can not submit this complaint and gave me another phone number to call. I am extremely disappointed that my request is not even being considered and that the communication is so poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The bureaus are keeping the wrong personal info on y report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 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: PA

Complaint narrative:
transunion file number XXXX date XX/XX/XXXX shows XXXX on page 10 of 11 XXXX XXXX XXXX 0n XX/XX/XXXX i have ever applied or requested no car loan or no home equity loan or Mortgage. XXXX XXXX need to show documents or where these suppose to be loans was inquired or requested by me with documents or my signature for a loan. I have also filed with the US Attorney as well as DOJ on this company with no documents on there half to show proof of me requsting anything or services from 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 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: NV

Complaint narrative:
The name of the company is Northstar Location Services LLC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX This person and other agents have called every Monday and Wednesday for 3 months straight. This person and the company has called my husband harassed him. 
On XX/XX/2020 @ XXXX XXXX  CST XX/XX/2020 @ XXXX XXXX  CST She called my corporate office for my employer in another state. 
Stating to them they must tell me to call them. They stated they have a file with information give to my attorney on a personal sensitive matter. They said they would come to the facility to execute the notice. They call my house and my cell phone on Mondays and Wednesdays 4 times each of those days. I do not have a notice from them, nor are they on any of the 3 credit reports as a debt. I am not sure who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.

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 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: NV

Complaint narrative:
On XX/XX/2020 I was contacted by D2 Management they called from XXXX, I found out the name of the company after continuously calling to request the name of the owner. I received calls from, XXXX, XXXX XXXX and a Gentlemen named Mr. XXXX. They all used first-party collection practices and they are a third-party collection agency. They would not disclose the company 's name and did not provide Mini-Miranda or  disclose we were on a recorded line. When I mentioned these things weren't done on the first call the representative stated " oh wow, you know the law! '' XXXX XXXX, who stated she was the general manager, cursed me and hung up in my face when I requested info on the ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
On XX/XX/2020, I received an alert from XXXX  that {$1600.00} debt was placed on my XXXX  credit report by Midwest Recovery Systems. Have no idea what for, never received notice of debt or right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
I am writing to report a violation of : 1. 6.2-2217. Limited recourse ; repossession and sale of motor vehicle. 

My spouse and I purchased a XXXX XXXX XXXX from XXXX in XX/XX/XXXX that was financed by American Credit Acceptance (  ACA ). 
The vehicle was repossessed without warning in XX/XX/XXXX after we paid the agreed upon partial payments that ACA had been accepting. We were allowed to pay a fee and reinstate the loan. 
Our interest rate is 25.80 percent which we feel is due to our poor credit at the time. 
We had actually visited XXXX for another vehicle and was approved and then told that the vehicle ( XXXX XXXX ) had fallen off the back of the transport truck. 
We felt forced to just settle for the XXXX based on our credit. Financially we should not have been approved for such a loan, we could not afford it. 
Total, we have paid over {$30000.00} and we still owe. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: PA

Complaint narrative:
Transunion has on XX/XX/XXXX file number : XXXX page 11 of 11 under XXXX XXXX XXXX XXXX XXXX XXXX XXXX request on XX/XX/XXXX it seems there under several titles on my Credit file from car loans to XXXXXXXX XXXX XXXX  XXXX  to home equity loans etc. It seems i have a lot of fraud going on with XXXX XXXX XXXX on my credit file. I have also file with the US attorney office as DOJ on this matter with Transunion XXXX XXXX XXXX XXXX in which i have not applied or requested none of the info nor loans or club subsriptions.

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 2020-06-10 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: GA

Complaint narrative:
There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late XXXX XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX  - OpenedXX/XX/XXXXXX/XX/XXXX Bal. {$4700.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$1800.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$2600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8300.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  XXXX UNKNOWN - Opened 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 2020-06-10 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: MD

Complaint narrative:
When I reviewed my credit report, I noticed a fraudulent account listed on my report - - XXXX. XXXX XXXX. I tried to dispute the account but there is no way to do it electronically and the phone number give to call Experian to dispute the fraudulent charge is to a prerecorded message with no option to dispute the fraudulent account nor speak to an agent. 

I requested the company reporting the fraudulent information produce competent evidence that prove the debt is mine and owe this debt. They have failed to respond in more then a reasonable time. 

This is not my first time experiencing this situation with Experain. I am the victim of identity thief. My information was compromised in both the Experain and XXXX data breaches. 

I have filed thief reports with the state police, state attorney generals office and Federal Trade Commission.

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 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: DE

Complaint narrative:
This is the third time I have attempted to make a complaint about Advance Financial in  regard to an installment loan account that was fraudulently accessed by an unknown third party and for which several payments within one day were initiated through my debit card. I reported the fraudulent and unauthorized transacations immediately to my banking institution as well as Advance Financial. Advance Financial has escalated my account to a third party debt collector ( which I have notified is not a valid debt ) and somehow assessed my account a balance that does not make sense nor is valid. I have reported the fraudulent use of my account to the FBI XXXX for which I have a copy of the compaint file ). Advance Financial has refused to acknowledge the fraud and stated there was a valid EFT authorization on file at the time of the fraudulent transactions.

I unequivocally and unilaterally revoked all EFT authorizations on XX/XX/2018. The fraudulent and unauthorized transactions occurred on XX/XX/2018. THREE separate transactions occurred. First - they were unauthorized. Second - because Advance Financial allowed them despite NOT have an EFT authorization they are in DIRECT violation of the EFTA ( Electronic Funds Transfer Act ). Third- by authorizing THREE separate transactions that were not agreed upon in the initial contract AND NOT notifiying 10 days prior to those transactions ADVANCE FINANCIAL is again in direct violation of the EFTA .

Advance Financial continues to respond to my complaints by stating there was no evidence of fraudulent use of my account [ when in fact I made them aware AT THE TIME OF THE INCIDENT that it was not authorized ]. They also continually state there was a valid EFT authorization in place when I revoked IN WRITING my authorization TWO MONTHS prior to the fraud. AGAIN - this has been reported to the FBI ( as this falls outside of any state jurisdiction ), I have made Advance Financial aware and the debt collector aware of the fraud, my bank was made aware within 24 hours of the unauthorized transactions so I followed the letter of the law. I am AGAIN attaching my emails revoking my EFT Authorization along with emails showing the unauthorized transactions. Advance Financial is in DIRECT VIOLATION of the EFTA. This debt reported is NOT VALID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian will not allow me to cancel my account. It is connected to my work email address, which I no longer have access to. When I email from my personal account, I receive an email response from a do not reply email saying I only have a free account. When I call their customer support there is no option to speak to anyone or cancel my account.

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have been trying to work with them since XX/XX/XXXX/XX/XX/XXXX to do a deed in luid. They keep saying its pending then they say they have everything and then they have not got anything from me. I have emailed the documents to them. Everytime I call I get a different answer and I have requested a manager to call me and no one will call me. Im going through a divorce and trying my hardest to prevent the foreclosure ( they said is on hold ) right now but they are making it impossible. I feel at this point they dont want to help me or work with me and just want to foreclosure on my home. I have called them over 100 times in the past couple of months and have emailed as well. They also had a company go into my home to Secure it as they say but this company went in and pushed everything to the middle of the room and covered it with plastic paper. But while doing this they damaged my property in my home!

Company response to consumer: Closed with explanation