vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX did not update for a long time, it gives a bad impact to me and my children.

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 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
an unknown account that is not mines have damaged my credit as well as been reported in error. this account is mine, they also removed it back in XXXX because it is not my account and said they would remove all my information from their databases and Credit bureaus but today XX/XX/XXXX and debt collector by the name of CREDIT MANAGEMENT L, this is not identity theft and is going against the fcra i want this removed immediately FOR GOOD

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: LEXISNEXIS
State: MI

Complaint narrative:
Bankruptcy courts do not report to your credit report I froze my credit I sent information and the bankruptcy need to be removed I also sent my address my name my Social Security card my birthday they still are reporting other names of the addresses it need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was charged a fee for credit protection from Synchrony bank although I never applied or sign for this option.

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 monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I entered a lease on XX/XX/XXXX with XXXX XXXX for a new XXXX XXXX XXXX XXXX. After the initial few months of the lease, I set up an autopayment and had an issue on my end. In XXXX, I cancelled the autopay to attempt to fix the issue. Around that time in XXXX, I was charged a {$35.00} late fee for not paying on time. I don't dispute that. I'm not sure of correct date as XXXX XXXX has never sent me a statement or emailed me a statement since XX/XX/XXXX. I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my correct address and email and still have received no statements from Chrysler Capital. I again confirmed an address, and changed one, in XX/XX/XXXX again, to receive a statement and end of vehicle turn in instructions. I still have not received anything from them. I was continually charged a late fee monthly for {$35.00} for 9 more months post XX/XX/XXXX. I was never made aware of the first late fee because I received zero correspondence from Chrysler notifying me. I was charged late fees in the amount of $ XXXX ( XXXX x {$35.00} XXXX. They refunded half. I requested they refund four more ( {$140.00} ) as I don't believe they are valid since they didn't follow consumer law and their obligations in notifying me of the original late fee to rectify. While Chrysler says they are following the terms of contract in charging late fees, that maybe correct, however they are choosing to neglect their own contract and consumer law by not notifying me of any late fees and not sending me any statement whatsoever in almost 3 years. In fact, I learned of the late fees when I had to contact them in XX/XX/XXXX to ask why I have not received any correspondence on vehicle turn in and statements.They had my email address form vehicle signing and my wife 's, as well as my phone number and my wife 's and as well as 2 valid home addresses. They chose not to contact me at all through required communication and no statements! This would have been cleared up after the first instance if they had followed the law. I ask that you require them to remove {$140.00} from my account statement and any related reports to the credit bureaus. I would attach records or files, however per the above, I still have not received any statements showing the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My name is XXXX XXXX. Recently had my XXXX loan sent to chase and chase returned it to the lender and it was sent once again. My account has been locked still and cant access it. They wont send the money back or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I received a update on my credit report stating that there was a debt owed for a total of {$1000.00}. I was not notified about this and this collection is inaccurate and 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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of 2021, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX Account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of 2021, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX Account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
This is a third or more of attempts to have my problems/issues resolve with Gregory Funding. 
I am not able to make online payments. 
I am aware of the pandemic and limitations to having people working as before, but I am not getting a response from the mortgage company XXXX Gregory Funding XXXX within a reasonable time. 
Erroneously my XXXX 's 2020 mortgage payment was applied to the XXXX 's 2020 payment by Gregory Funding, when I had already made the XX/XX/2020 to the previous mortgage company XXXX XXXX XXXX. As stated on Gregory Funding 's letter, payments on the account should be forwarded to them as on XX/XX/2020, but the letter is dated XX/XX/2020 which came after the XXXX 's payment was already submitted to the XXXX company. Gregory Funding should have not applied the XXXX 's payment towards the XXXX 's and afterwards say that I am/was behind my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
its been 90 days since I ordered furniture on my debit card and the company never responded to my inquiries and never sold me the furniture that I spent well over {$2500.00} on. bbt has yet to refund me for these fraudulent transactions and its been well over 30 days since I filed a dispute. bbt has also blocked me from being able to call customer service saying I entered an incorrect code which I have absolutely no knowledge off so I cant even check on the status of my claim. I went to the branch and ofcourse she didnt speak XXXX well or at least pretended not too. BBT is always moving my transactions around, and changing the amounts of my transactions, which is illegal. I want my money back and my account fully audited

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 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: TX

Complaint narrative:
Hired XXXX  law firm to assist with a loan modification with FCI Lender services , Inc XXXX XXXX 
XX/XX/XXXX XXXX advised me was approved for a loan modification and 1st payment due XX/XX/XXXX. Payment was made as indicated and on XX/XX/XXXX FCI lender services filed for foreclosure on my home. 
Prior to XX/XX/XXXX, it was XXXX XXXX XXXX  I originally began modification with and they requested I send {$7500.00} to began the loan modification process which I did and this was back in XX/XX/XXXX. So from XXXX to XX/XX/XXXX had been trying to get a loan modification from XXXX XXXX XXXX to no avail. I hired a law firm XXXX XXXX  XXXX XXXX XXXX law firm to assist and equally paid them fees. 
All monies spent and paid to both lender services and still getting foreclosed on. I need assistance please and urgently. Thank you

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On Monday XX/XX/XXXX, I was contacted by individuals claiming to represent XXXX XXXX and that they were about to shut off the power to a house I own within XXXX minutes due to non-payment of the electric bill. I was asked to send them payment through XXXX so they could credit my account that day and stop the power from being turned off. 
I wasn't at the property at the time to know that there was no one outside to turn the power off. 

I transferred {$840.00} from my USAA XXXX checking account on XX/XX/XXXX around XXXX XXXX. The payment showed pending and then I got transferred to another XXXX XXXX representative and was asked to transfer money from a different account at XXXX through XXXX since the payment didn't go through. I transferred {$990.00} to the same XXXX account. 

The name of the XXXX account was XXXX and the phone number used was XXXX. 

After the second payment went through I realized I was scammed. I called both banks that day to lodge a complaint but there is little interest on their end about stopping XXXX fraud as they don't believe they have any liability for the service. 

I was hoping they would report this to XXXX so they could shut down the illegal account and stop transfers going through to that number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CORELOGIC INC
State: PA

Complaint narrative:
Someone was suppose to handle this situation, but it was never resolved.

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 2021-05-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EQUIFAX Experian & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, XXXX, Experian has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  launch servicing, ll XXXX  INQUIRES/ ACCOUNTS : launch servicing, ll ELECTRONIC MERCHANT SYST XXXX INQUIRES / ACCOUNTS : LAUNCH SERVICING, LL 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 non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was in and out of hospital in XXXX XXXX due to XXXX XXXX XXXX. In that time my wells Fargo account, which I had set up for autopay in XXXX, something you can't can't unless your account is on track, and when they double dinged me for payment it messed up the autopay. The computer algorithm decided this fate for me, not a human. Then I ended up hospitalized with XXXX issues affecting my XXXX and XXXX. Emerging from this haze I'm working on getting everything back together and Wells Fargo is the only vendor who will not work with me. Everytime I call I'm told the supervisors are in a meeting and to leave a voice mail but I never get my call returned ...

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 2021-05-06 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: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
XXXX reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX Granite Woods Loop was initially taken out w Dovenmuehle Loan # XXXX and my mailing address at the time was XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for Dovenmuehle. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from Dovenmuehle to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware XXXX. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the XXXX Acct current. We request that the negative credit reporting from XXXX be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan w Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have an auto loan with CHRYSLERCAP, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLERCAP and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLERCAP with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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:
XXXX XXXXXXXX & Transunion has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and TRAUNION, XXXX, XXXX has violated my privacy XXXX inquires/ ACCOUNTS : XXXX XXXXXXXX XXXX/FXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  INQUIRES / ACCOUNTS : XXXX XXXX XXXX  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 2021-05-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX XXXX  & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, EQUIFAX, XXXX has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXXT EQUIFAX INQUIRES / ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been a victim of XXXX XXXX and therefore have been in a forbearance. I had requested a loan modification on two occasions- XX/XX/XXXX and XX/XX/XXXX. I was told in XXXX to continue the forbearance since my financial situation had not improved. In XXXX, I explained the same and 53 bank told me they would lower the interest to the Fannie Mae current rate and extend my mortgage by 10 years. Sounded great - however when I received the paperwork my payment INCREASED!!! I called and called and sent messages in the portal system- to no avail! The only thing I was told was we dont know I guess your loan is too new I pointed out to several people during this time in XXXX that the interest rate was NOT lowered. Nothing .... no help! 
So I am again in forbearance. 
I have since received multiple statements - all with different amounts including the change to my escrow due to forbearance- and all of them are different and conflicting. 
I have asked for help to explain- once again NOTHING. 
I keep getting told someone will contact me in XXXX to review my options and a deferment will move all the amounts to the end - once again THIS IS NOT HELPFUL!!!! 
I cant afford my payment- I need a lower payment!!! I need a modification- I cant afford for myself and my XXXX children to be on the streets! I have a ton of equity in my home and none of this was my fault!! Ive asked time and time again why arent they trying to help people not lose their homes!! 
Please help.

Company response to consumer: Closed with explanation