vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a current member of Penn Federal Credit Union. I applied for an auto loan and my credit score and income was sufficient. The company asked me to send in my 2 year tax returns. The company denied me. For some reason the company was denying me based on fraud or doubting my income. The investigator called me asking questions over my income and stating its impossible I make over a million a year with combined income of multiple businesses. At that point I felt really bad that he was discriminating against me because of me being XXXX. He told me he has my account flagged as fraud and any auto loan that I apply for will be denied. Then he asked me did I get my credit repaired? I am a XXXX  XXXX and he also told me most XXXX  XXXX  are bogus and fraudulent

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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Continuation of XXXX In the forensic report the MERS : is yes at this time the status was changed after the report. 

Thank you very much for your very rapid and expedient response. Although you have answered all of my concerns in the previous letter, I am still not satisfied with the response being that PHH Mortgage can hold my {$55.00} ( which was a claim check from the hurricane damage to the property ) and claim that it belongs to them under Paragraph 5 which states because property was purchased through foreclosure. I did a forensic audit report on the property on XXXX of XXXX and it stated that XXXX XXXX , XXXX, Lender was a California Corporation was not a licensed corporation. It states, and I will attach a copy for you to review as well : The end result would be that the mortgage file, or any part thereof ( mortgage or security interest ), would not have legally been transferred to the trust to allow the trust to be considered a holder of your mortgage entitled to bring the foreclosure action, as they would not be a proper party before the court. You can read this information along with the rest of the report. This particular quote is on page 7.  My question to you is, how is it possible for the mortgage company to acquire my property if the original agreement was obtained fraudulently according to the findings described in the attachment? 

All I am trying to do is keep my property and your company insist on fighting unnecessarily. This house has been in my possession for 30 years, and my familys possession since XXXX. I have described to you how much I would pay for the purchase of my property and that included the {$55.00} ( which was a claim check from the hurricane damage to the property ) which I believe to rightfully belong to me, bringing the amount again to {$210.00}. This offer was denied, that being stated again how can an illegal mortgage company sell something legal under illegal pretense? 

Please see : Transcript Of Federal Judicial Act, of 1789 Chapter XX, Section 11 and PSA pages 53 and 116 I look forward to hearing from you very soon and please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of America refused to close a debit card account and would not provide me escalation path.

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 2020-03-13 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I detected an unauthorized credit card inquiry on my credit with Lowes/Synchrony Bank. The inquiry was on my report from a while because I have checked my report. 
I did contact Synchrony Bank by phone and was told that it was possibly an error. I do not have an account with Lowe 's nor did I apply. I was told to submit an dispute letter and it will be removed. I submitted the dispute by mail and received an letter back saying that the information was accurate.I do not own a home, nor do I shop any Lowes or any other hardware or home improvement store. 

I called XX/XX/2019 back when I received the letter and I talked to a customer service representative named XXXX, with Synchrony Bank. XXXX looked into the matter while I was on the phone. She placed me on hold for a while, when she returned, she stated she was removing the account from all three credit bureaus and it should be removed in 30 days. It has been over 65 and the unauthorized inquiry is still on my credit report and is causing damage to my score. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Synchrony Bank are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I logged into Tidewater XXXX XXXX website expecting to make a final loan payment of XXXX and discovered that the final payment jumped to XXXX since last week. I spoke with a representative online about the difference in payment and she told me that there was never a payment of XXXX in the system. Ive filed a complaint with this company once before about their deceptive practices and their was even a class action law suit against them for extorting People for balloon and bogus charges. I was excited to make my last and final payment and now this. This company is the worst with their Mafia tactics to keep you forever in debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Unisa, Inc
State: MA

Complaint narrative:
I had a Perkins loan through XXXX XXXX University that I was paying through the loan servicer, XXXX, along with some other student loans. I graduated in XXXX and began paying on these about 6 months after that. In XXXX, my loans from XXXX were transferred to a different servicer, XXXX, and I then continued paying them. 
Recently, I received a full credit report from XXXX  and was made aware that this Perkins loan was in default, dating back to XXXX when my loans were transferred from XXXX. After contacting XXXX XXXX University on XX/XX/XXXX about this I was made aware that this Perkins loan was actually transferred to a loan servicer, UNISA, and not to XXXX with my other loans. 
However I was never contacted by UNISA or XXXX XXXX to be made aware of this change in servicer. Therefore I had no information to make payments and I believed I had been paying this Perkins loan through XXXX along with my other loans that were previously with XXXX. Once I found out this information I immediately paid this Perkins loan off in full on XX/XX/XXXX so that it was no longer in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I have asked them to stop calling me every hour every day. I have told them I wanted a signed contract with my signature where they say I owe them for a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I have asked them to stop calling me every hour every day. I have told them I wanted a signed contract with my signature where they say I owe them for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Wagner Financial Services, Inc.
State: NC

Complaint narrative:
I our shaded a vehicle last XXXX and it broke down the first day. Company advised me to keep the car til information from the doc come back and then trade it in. Which was done last year. The 2nd car they gave me has been total loss 3weeks ago, so insurance paying it off. I went to get another car but no one will give me one because the first car that broke down is on my credit, and it says 5 payments were made and payed off. I never had to make a payment nor paid it off. Want take it off and I cant get a car anywhere because of there mistake. They handed me a paper stating the car is paid off and in good status but that never happened. I explain thats stopping me from getting a car. They told me to get it off. I really need help. I cant go to work becatno transportation now and they want remove it immediately off my credit.its incorrect on my credit report because the car was also turn in and traded out for the car was wreck.something went wrong and not willing to go to credit bureau to get it remove cause of there mistakes.this is a emergency situtand I do have the letter Wagner gave 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 2020-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$9900.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not 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 2020-03-13 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC
State: GA

Complaint narrative:
TitleMax is calling me about someone elses dept. Someone used my name and number as a refference without my promission. I've asked them several time to do not call me because I didn't give that person promission to us me as a refference, but they still keep calling me almost everyday asking me to contact the person that owes them money and have them call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX   TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX   TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-13 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-13 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.

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 2020-03-13 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.

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 2020-03-13 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 just pulled my annual credit report and noticed several accounts i think were opened due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XX/XX/2020 tried to access my credit report on XXXX Got a message that they were unable to deliver my credit report online. NO reason given

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX anXXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation