vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
Account Name : Dept. Ed XXXX. Account XXXX  XXXX******** ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX******** ( both accounts ) Violation Reported : missing reporting payment dates.

Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account dates XX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet is reporting late notations on my credit file that I need removed. My student loans were in deferment but while in deferment I was making payments of {$90.00} a month. Once my deferment was over, I continued to make the {$90.00} a month and was not aware that my payments had gone from {$90.00} to {$400.00}!! As soon as I found out I did my best to catch up and get current but I was not warned at all about this. This is not my fault, I was not advised that my payment would go up a ridiculous amount and once I figured that out, I have been current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA Federal Savings Bank did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX  for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to USAA Federal Savings Bank with no reply. I was the co signer on the loan in which i could never get no real information to the loan by USAA Federal Savings Bank. 
I never received any letters of payments behind or the car went into Repo status with USAA Savings Bank. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from XXXX XXXX in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from USAA Savings Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
Started the refinance process in late XXXX, provided paperwork after paperwork. Went though the month of XXXX and though XXXX. They kept asking for more documents. I received about eight closing notices. Each time expecting to get the loan finalized. Then, I needed more documents. I would ask, do you need anything else, and they said no. Then, they needed more, I have many emails in which they tell me they have everything. Then, I get the loan is in final approval in the underwriting department, thought we were going to close. Then, no, needed information on my forbearance notification. This came after three months of telling me they had everything. Now, I get the forbearance thing was new, but after three months they didnt t know this?

I really think the loan officer was trying, but the underwriter kept asking for more. No one from the mortgage company tried to call my bank, on a three call to verify that the forbearance has been moved to the end of the loan. I would of hoped that they would have reached out to FHA or someone that was familiar with the process. 
Bottom line is I want my loan approved and we can move on.maybe you can tell them how to get it done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MI

Complaint narrative:
I have contacted the Bureaus XXXX  Equifax, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MI

Complaint narrative:
I have contacted the Bureaus XXXX  XXXX, and Experian, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US Bank at XXXX XXXX XXXX in XXXX XXXX, CA XXXX flagged my stimulus check because we are XXXX XXXX XXXX. They froze my account, and when I came to inquire, they said they closed my account since the deposit also had my wifes name on it. I brought my wife, marriage certificate, and tax returns to the bank, but the Vice President of the bank, XXXX XXXX refused to keep my account open so my tax return could be deposited because she was upset about our demand for our marital monies. I feel discriminated against, and she made it a point to say she closed the account because she was upset. She also said they dont recognize XXXX  XXXX marriages in their algorithms. This discriminatory process coupled with Ms XXXX bigotry and pettiness has put my family in a financial bind, unable to access my stimulus or tax returns, during XXXX XXXX  month, and to an essential healthcare worker during a pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XXXX 2021, I contacted Shellpoint Mortgage to speak with my relationship manager Ms XXXX who have been assisting me with my foreberance extension and account. I sent a email to her to request the Foreberance extention and the email request bounce back. I went on Shellpoint website to request the extension of my Forberance which I had since XX/XX/2021 per American Rescue Act I have the right to request and extension up to 15 months if I was in a Forberance at that time. 
I was directed to call XXXX and was told my point of contact was changed XXXX and I was denied and foreberance extension. Did not ask me if I was still impacted from the Covid 19 disaster. I just felt discriminated against. I was also told I had a new contact person and I ask why because MsXXXX XXXX is aware of my challenges with the Disaster and has been working with me hanging my account. Then I was told that monies would be advanced to my HOA and that never materialized and now I am way behind per their letter in writing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the accounts that appear in this list was never authorized to report on my credit, and is hurting me. 

Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : Collection XXXX This is not mine. 
Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : Collection XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received two emails today from TrueAccord XXXX XXXX regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXX XXXX 

I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. 

It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. 

The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied a mortgage loan today ( XX/XX/21 ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from TransUnion because it was the middle score among the 3 scores : XXXX from TransUnion, XXXX from XXXX, XXXX from XXXX. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from TransUnion ( XXXX according to the bank ), XXXX from XXXX  ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ). The XXXX, on their website, displayedXX/XX/2021 credit score whereas others indicated their score were as of XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX  stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
On XX/XX/2021 we received a letter stating that the loan servicing for our property ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) was being moved from XXXX XXXX XXXX XXXX XXXX ) to Lakeview Loan Servicing. 

The letter from XXXX said a loan number was still to be determined. We waited on additional paperwork including the loan number to arrive, but by the end of the month we had not yet received it, so we sent in our next payment to XXXX as that was the only payment information we had available. 

Additionally on the paperwork from XXXX stated that any payment made to them within 60 days of the loan servicing being transferred between companies would be accepted without being considered late. 

After we submitted our XXXX  payment, Lakeview 's paperwork arrived, and we assumed the loan payment to XXXX would be provided Lakeview per the XXXX paperwork. Last week we submitted our XXXX  payment to Lakeview.

Now I'm getting contacted by Lakeview Loan Servicing saying that I am delinquent on my loan payments which I am afraid will negatively impact my credit score because it is reported as a late payment. 

Lakeview claims they are investigating where the payment is, but I'm currently marked as deliquent on the website. I attempted to contact Lakeview via their online form, and my requests keep getting closed without any response. When I called, they said there is a " payment investigation open, but they couldn't provide any updates or details. Additionally, they could not provide a tracking number or reference number in order to know that this is actually happening. Based on my other requests being ignored I have no confidence this issue will actually be resolved. 

I also spoke to a supervisor XXXX, employee ID XXXX, from Lakeview Loan Servicing who was unable to assist me as well. 

New Loan Servicer - Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Old Loan Servicer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Finally, I've attached screenshots from my XXXX account showing the payments have been sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called transunion the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at transunion the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit 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 2021-06-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send

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 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avid Acceptance, LLC
State: VA

Complaint narrative:
I have a court order from the XXXX that there working approving my unemployment the harrassed every day

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