vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good morning, I have had a mortgage at Suntrust and at the beginning of XXXX, I change my mortgage to a different bank. On XXXX Suntrust paid my taxes for my house. I called them to stop the process but they told me it is impossible to stop at this type. On my tax bill, I can see that the Suntrust payment was rejected ( XXXX $ paid ) on XXXX XX/XX/11. I have contacted Suntrust to refund me for my money. I received multiple information, that the money will be refunded at the beginning of XXXX, then in XXXX and XXXX. Today, I was told by Suntrust that the money was the return on XX/XX/XXXX and I need to wait another 30 days to start processing the return. At this point, I have not to trust at all, since information like that was refer to me already multiple times. 

Anyway, I don't have money since XXXX last year, I don't see a resolution to my situation. I feel hopeless and injustice, given the amount of time that my money has been withheld for so long time.

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 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Location Services Holdings, LLC
State: TX

Complaint narrative:
In XXXX of XXXX I refinanced my auto loan. Included in the finance is my TX license plates and my TX registration. In XXXX I made a complaint that I did not have my TX tags and registration. I was told to wait. 

In XXXX of XXXX I complained again and was told TX needed proof I paid taxes on the purchase of my vehicle. This vehicle was purchased new. I provided my sales receipt showing taxes paid. This was disturbing because TX only asks for this proof if paperwork is incorrect. 

I provided the information to the loan company on XX/XX/XXXX. 

On XX/XX/XXXX I contacted my loan officer via email. I received no response. 

On XX/XX/XXXX I called the XXXX number and was told my complaint was being emailed to all managers and I would receive a response in 24 to 48 hours. I received no response. 

On XX/XX/XXXX I called the XXXX number and was told my complaint was being emailed to all managers and I would receive a response in 24 to 48 hours. I received no response. 

I seem to have no way to communicate with anyone at Auto Approve!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
About one month ago I noticed on my credit report something from Commonwealth I've never heard of them the amount didn't add up to anything so I started a dispute with XXXX. I ended up winning that dispute it was removed from my credit now they are sending me an invoice and calling me telling me that I still owe the debt. They couldn't tell me what it was for the person I spoke with stated they think it was for a hospital or a doctor 's bill but wasn't sure and that's all they have. She then said that she would try to find an itemized list and have that sent to my address. Then told me that it can be sold to somebody else and they can try to collect the debt eventhough the dispute turned out in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XXXX XXXX after I made a payment of over {$6000.00} to reduce my large balance due to Covid-19 Chase card services XXXX, DE XXXX changd my limit from {$21000.00} to {$12000.00}. I was never late and I never exceeded my limit. I feel this was very unfair practice and would like my card ending in XXXX to be extended the credit line that i was granted before Covid-19 hit, any and all help you can provided would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
It has been over 30 days with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it

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 2021-03-11 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: TX

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF and this is the FIFTH complaint I have filed since XX/XX/XXXX due to your delays and claiming you need authorization which I have already clearly given in the past complaints filed! 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was submitted to you on XX/XX/XXXX and I never received any reply. I then sent a 2nd dispute on XX/XX/XXXX, XXXX ; which still resulted in NO responses from the bureaus! So I sent a 3rd dispute on XX/XX/XXXX. 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. This will also be the 5th complaint I have filed since XX/XX/XXXX because you keep claiming you need authorization which if you see the FIRST line of my complaint, I am clearly giving!

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I purchased a One vanilla prepaid card on XX/XX/2021. I was going to use it to pay online bills, but when I tried it wouldn't let me. I called the customer service and they told me that they are removing the online option. But they haven't done so yet. Since I couldn't use it online for the bills i needed, I asked for a refund. Today is XX/XX/2021 and I still have not received the check in the mail. I have called them numerous times and each time they tell me a different day it should be here. It is XXXX that I can not use. They won't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have called Capital One several times since XX/XX/XXXX. I have experienced hardships over the past few years. First, my mom passed away. Then, my dad lost our family home. I also was forced to move abruptly at the beginning of the pandemic, and that caused my monthly expenses to rise significantly. I reached out to Capital One initially to reduce my interest rate because I knew I was going to have a difficult time making the payments. I was told back then that nothing could be done to help me. Later, on XX/XX/XXXX, I called in to inquire about reducing my monthly payments and getting on a plan to pay off the money that I owe. I spoke with four different representatives and all of the calls disconnected or were dropped. I also spoke with two other credit card companies on that same day was able to get on a 5-year payment plan, and I have been doing well. However, Capital One refuses to lower my interest rate or lower my monthly payments. On XX/XX/XXXX, I again called Capital One. I spoke with XXXX and XXXX who said they were collection representatives. XXXX serves as the collections manager. She went through the questions and said the system would not provide any plans to reduce my monthly payments or interest rates. XXXX stated that she did not know the criteria the system used to determine my eligibility with the programs they offer other bank customers. I want to reiterate that two other credit card companies have worked with me in the last few months, and Capital One is not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRAs. On XX/XX/2021, I mailed XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
unauthorized inquiries on 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 2021-03-11 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: TX

Complaint narrative:
Equifax Investigation has taken longer than 30 Days No Results for Dispute date XX/XX/2021 Incorrect Reporting Duplicated Accts Affecting Debt utilization and derogatory reporting Called XX/XX/2021 Wants to reinvestigate account they failed to verify and Validate For Child Support enforcement that instead of removing duplicated amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: LoanCare, LLC
State: TX

Complaint narrative:
Hello I had an Mortgage with XXXX XXXX  from XXXX XX/XX/XXXX and the mortgage has been transferred over to LoanCare , LLC XXXX We made our last payment on XX/XX/2021. We made our first payment with Loancare LLC on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of XXXX pts. Loan Care LLC is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of Loan Care LLC. 


I can be reached at 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 2021-03-11 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: AL

Complaint narrative:
I have sent all the certified documentation to TransunionXXXX XXXX, and XXXX  regarding their method of verification regarding 3rd parties due to they continue to place inaccurate and unverified info on my CR. XXXX XXXX sent me a letters stating they removed these 2 XXXX  from their files and I have a security freeze through their company. Transunion is the only company that responded in writing but wouldn't tell me their method of verification via phone which XXXX is listed on all their credit bureaus websites that this is their source of public records. I have sent certified mailed letters to each bureaus regarding removing the XXXX due to FCRA 611 ( 15 USC 1681 ) goes against the policies and must be deleted immediately because its not proper verification. Credit bureaus cant use 3rd parties public record that they must directly contact the Bankruptcy Court itself who is the original furnisher it has to be 100 % accurate/verified. I have submitted a letter from the Courthouse stating they don't speak nor associate themselves with credit bureaus nor 3rd parties. I have not received any documentation from XXXX & XXXX upon certified letters till this day. I have submitted a letter from XXXX/Transunion who wont allow me to place an security freeze on the report which I have a right on all reports by law especially if its inaccurate info. On my CR its listed 2 different attorneys which I never heard of nor have I signed any documentation with any third parties. I also have security freezes on all the credit bureaus so how are they able to continue to report inaccuracies if I have all this documentation. I have listed all the supported documents you will need to handle this situation because the CB continue to lie and place information on CR that are not true which they keep blaming the courthouse.

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 2021-03-11 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: NV

Complaint narrative:
Capital one is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: IL

Complaint narrative:
This complaint relates to a car leased through Audi Finance. In XX/XX/2020, the car was relocated from Massachusetts to Illinois, and retitled in Illinois ( Audi Finance remained the title holder throughout ). Illinois charged a use tax at the time the car was retitled, which I paid directly to the state. In XX/XX/2020, my statement from Audi Finance included an " Other Charge '' of {$830.00}, which I paid as a result of my automatic billing arrangement with Audi Finance. When I inquired of Audi as to the basis for this charge, they said that the Illinois Department of Revenue had recalculated the use tax, and had billed Audi for the additional amount due, which Audi had paid. I then contacted the Illinois Department of Revenue, which agreed that the additional tax assessment had been in error. On XX/XX/2020, the Illinois Department of Revenue refunded to Audi {$880.00}, having concluded that not only was the additional assessment in error, but that the original assessment had also been too high. I spoke to a representative of Audi Finance on XX/XX/2020. After checking with their tax department, she confirmed that they had received the refund, and stated that it would be credited back to my account within the next 8 weeks. It has now been over seven months, and I still have not received the credit. I have called Audi Finance about this several times. Each time I have checked, I have been told by the customer service representative that they would check on the status of my refund and call me right back. I have never received a call back. Earlier this week I spoke to a representative who told me that they have no way to reach their own tax department by telephone, and must email their inquiries to the tax department, which simply does not respond. This, he explained, is why customer service does not call me back. I was also told that there was no way for me to escalate the issue within Audi Finance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I XXXX XXXX have notified " Navient XXXX '' of it's potential fraud, inaccurate, and invalid information being reported from their company against me. Once I contacted Navient XXXX with this discovery Navient XXXX retaliated against me and reported 60 days late on my bureau. I have disputed " Navient XXXX '' and these feloniously debts in the past. By law all of these accounts should not be reporting in my credit profile. 

When I noticed this information I investigated and disputed many accounts that were invalid, inaccurate, and flat-out not my accounts, to my understanding these three accounts were included. None the less, they still remain on my credit file. 

I contact Navient Financial XX/XX/XXXX regrading these 3 accounts. I was more than certain I did not, and DO NOT owe, ( yet currently being reported on 3 major reporting Buraus ( XXXX XXXX, XXXX ) as my debt with a 60 day late XX/XX/XXXX ). 

I contacted Navient, the rep was very argumentative and was almost sure there wasn't any harm done against me by this servicer " Navient XXXX. I disagree with all debts, credit reporting information from Navient XXXX in regards to student loans, specially XXXX # XXXX : XXXX {$2600.00} XXXX {$2600.00} XXXX {$2600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$21000.00} XXXX {$21000.00} XXXX {$21000.00} As to date the entire world is battling to survive financially and " Navient XXXX '' reported 60 day late XX/XX/XXXX on my credit files. 

This was clearly retaliation from the phone call I, XXXX XXXX placed to " Navient XXXX '' on XX/XX/XXXX to inform them of the inaccurate & invalid information the company was reporting against my credit. 

Less then 72 hours my credit rating went from a rating of Good to Poor due to " Navient XXXX '' reporting the above debts as 60 day late for the month of XX/XX/XXXX. Due to this retaliation from " Navient Financial '' I have experience financial and personal hardship, I am unable to qualify for any SBA Business Covid Relief or FEMA Winter Storm Loan assistance. 


I state again, do not think I own these debts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: AK

Complaint narrative:
Apparently there are algorithyms used by credit reporting agencies that " CODE '' your dispute based off key words in your dispute, like " not mine '' or " bankruptcy '' or " never late '', and within hours to days, you get a computer that sends an automatic reply to you saying your dispute has been " investigated ''. Something that many credit reporting agencies are well aware of and likely CFPB, so making any type of " complaint '', does NOTHING. STILL, I will NOT STOP until I get past the Algorithyms and get some who will ACTUALLY look a things. 

my credit score with Equifax MYSTERIOUSLY went from XXXX with EQUIFAX to a XXXX!!! in a WEEK!!!! 

Although NOTHING with ANY of my current creditors has changed. What they have done NOW is to go BACK into CLOSED BANKRUPTCY CREDITORS ACCOUNTS, and make DEROGATORY comments, and even allow for old creditors to change comments from Bankruptcy Chapter XXXXDischarged to LATE/COLLECTIONS or LATE/CHARGED OFF or LATE PAYMENTS and how many. 

Some of these account date back to XXXX!!!! THEY SHOULD NOT EVEN BE ON MY REPORT! 

I WANT ALL THESE THAT ARE OUTDATED, REMOVED. I WANT ALL THE COMMENTS REMOVED and RESTORED to BANKRUPTY/CHAPTER XXXX. 

I don't know how someone who has worked for 3 years to rebuild and has EXCEPTIONAL payment history SINCE, suddenly and without explanation, DROPS XXXX points!!!! 

EQUIFAX has some explaining to do!

Company response to consumer: Closed with explanation