vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$23000.00}.

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.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -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 2021-02-05 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: FC HoldCo LLC
State: NV

Complaint narrative:
Back on XX/XX/2020 I went back to work after being furloughed due to covid. My hours were cut from 40 hours a week to 30 hours a week. This was due to covid and the pandemic.

My car company was aware of my hardship and had even notated my account as affected by covid. My fianc is in the entertainment industry. Hes been out of work and waiting on unemployment due to covid. So basically Ive been supporting a family of 5 by myself. I had advised Flagship and they were aware of the situation. In late XXXX I made a full payment. 
Theyd offered me an extension. When I called back in XXXX to verify it still hadnt been approved. So they advised they were requesting two extensions due to loss of hours and theyd place on end of loan. They never said anything about it hurting my credit. Instead they said to call back and verify if it was approved or not. So I kept calling and finally it was approved in XXXX. As long as I made a full payment. Please see attachments. 

Then came my credit. XXXX XXXX, 30 days past due. I disputed then it changed to XXXX. I disputed and now its changed to XXXX. I spoke with a Supervisor she advised it would be fixed. I wrote a letter only for them to write back saying its valid. 

In good faith I made an agreement based on my loss of hours because of covid. Now my credit has been adversely effected. They even took the comment off my account stating that Ive been effected by covid.

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 2021-02-05 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: Radius Global Solutions LLC
State: LA

Complaint narrative:
I have an auto loan with XXXX back in 2014, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the XXXX class action. Send letters to the credit bureau and XXXX and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. 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 2021-02-05 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: CL Holdings LLC
State: LA

Complaint narrative:
I have an auto loan with XXXX back in 2014, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the XXXX class action. Send letters to the credit bureau and XXXX and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION
State: AZ

Complaint narrative:
Interactive Mortage ( Winnpointe mortage ) - I applied for a refinance of my primary home on XX/XX/XXXX. The agent took the application and ran credit, approved me for a loan and locked me for 15 yr term@ 1.875 % APR. Asked me to submit the documents the same day so the underwriter can review.

- I submitted all the documents he asked me within 2 hrs. He said the processor would take over in 2 weeks. After 2 weeks, he went on leave and told me that someone would be assigned soon and they should be able to close before end of XXXX for sure. 
- XXXX went by, XXXX went by, followed up on email and finally a processor was assigned and sent me the closing disclosures on XX/XX/XXXX. Since then a notary called me atleast 4 times that they were assigned for closing but company cancelled it all 4 times for delay in documentation. 
- I followed up multiple times on email and on phone, left messages but no response from processor. I again contacted the loan agent and he asked me to keep sending emails to the processor reminding her that I am waiting and copy him - After 60 days, he called me today to mention that the rate lock will expire tomorrow and he can not honor the rate I got. 
- I took great pain to follow the market and lock exactly the day the market went down and allowed my credit pull. 
My credit pull caused a hard hit and I dont even have a loan, by baiting and switching, Interactive Mortgage deceived me with their fraudulent practice. The sales team seems to be pitching and moving forward while the operations are unable to do their job. 
When asked for a senior contact to discuss the issue, the loan originator told me to fish it out on the internet and figure it out myself and that he can not share. He shared his supervisors number but he already mentioned there are many cases like this and that the supervisors wont do anything about it. 
So went to XXXX and got the email of the VP of operations ' email and wrote to her. Guess what - No response!!! 
The worst part is there is no one other than the loan originator and processor that you can contact to escalate or report the issue. None of the higher-ups have their contact information published anywhere on the site. I am unsure how they even got a license and are operating in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
To W

hom it may concern, I recently challenged the validity of NCA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
I hope this message reaches you and your loved ones ; All healthy, happy, and well. I know you all must be swamped so I am going to just provide facts and your feedback is greatly appreciated. 
1. Divorce/court orders ( XX/XX/XXXX ) state that no changes to any accounts were to be made on my behalf. Many changes were made on my behalf but most importantly, my mortgage. 
2. My husband violated the court orders and filed a false forbearance claim ( XX/XX/XXXX ) and reduced his co

urt ordered amount ( s ) paid to our mortgage company. 3. Once my ex husband c
omplied with the court orders, ( XX/XX/XXXX ) I paid all debts to EXIT the forbearance program in less than a month ( XXXX ). 
4. I have worked, endlessly to comply with my mortgage company and ALL of the directions I had been provided which ended up with inaccurate results. I am at the end of my rope with XXXX.

5. Throughout my Divorce Decree, I agreed to refinance my home into my name alone ( XXXX ). I did so in good faith because I have good credit and a good job, as a XXXX, as I have been at for over 10 years. 
6. Neither my attorney or myself knew the current laws on refinancing after a forbearance ( which I did not apply for, have knowledge of, or agree with ) that would make it IMPOSSIBLE for me to comply with the final Divorce Decree.

7. I can not afford any more attorneys fees to go back to court and request an extension on the agreed decree regarding my home. Why didn't XXXX  ask if there were any standing orders? 
8. If I do not refinance by XX/XX/XXXX I will be forced to sell and the home is upside-down. Literally, I can not afford to fix it or lose it.

9. If I lose my home due to an illegal/forced forbearance I will probably have to move to a shelter. I am a XXXX, I don't qualify for public assistance, nor, do I qualify for FHA/Conventional lending because of this forbearance.
10. I don't understand how a forbearance claim was made that I was not aware of, I don't understand how I have drained every penny I have in savings so that I can refinance and nothing adds up. Nothing. I thought my forbearance period was over weeks before what is being reported now.

11. XXXX  website does not match their payment website. The dates do not make sense or add up.

12. My mortgage representative is very nice but LITERALLY, nothing adds up. After spending all of my future payments, selling everything I can, nothing adds up and no one else will review or talk to me about my account.

13. I am a month away from having to walk away from my house. I invested all of my savings from years ago and I'm about to lose it all and have no idea where I will go. I am beyond scared and frustrated. How can this happen?

14. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
I have tried numerous times to talk to someone at Ally Financial about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency XXXX XXXX XXXX XXXX. I had set up payments with them on behalf of Ally Financial to resolve this debt and it was paid in full. XXXX XXXX XXXX said they notified Ally that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX  balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.

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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I mailed a dispute letter to Wells Fargo Dealer Services explaining my balance was being incorrectly reported to the credit bureaus. I also explained that I ended the deferment in XXXX and have been paying the loan each month. 
However, Wells Fargo Dealer services corrected my balance but failed to correct the deferment status. 
My account with them still shows I made my last car loan payment in XX/XX/2020. This is being reported as No Data Available on my credit report with all 3 credit bureaus. This is incorrect.

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 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and Medical is attempting to collect a debt that I do not owe. They have sent fraudulent collection notices demanding payment for a negotiated and settled medical debt. I believe this erroneous debt has also been placed on my credit report, which, if true, will cause me irreparable harm. 

Reference numbers # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Kia auto hard inquiry and I have not tried to purchase a vehicle .some one is using my information

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 2021-02-05 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: NY

Complaint narrative:
I sent letters to all Transunion, XXXX  and XXXX  about unauthorized reporting on my credit report.I first disputed on transition and they was able to take it off. The other bureaus have not responded to my letters yet and it has def passed the 60 day mark.These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My wife and I had identity theft in both our names. We tried to resolve with HSBC. We received a letter that the issue was resolved but still receive statements trying to collect on debt. We have reached out to XXXX XXXX but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America decided to close my credit card without prior warning or reason. The notice which I received from Bank of America was emailed to me on the day it was closed, XX/XX/XXXX. Bank of America subsequently mailed me a letter that was intended to " explain '' why they made their decision. However, when the letter arrived it provided no specific reasons. Instead, it simply listed a list of possible reasons as to why a credit card would be closed. It provided no clarification or evidence that went into the decision of my card being closed. 

Upon reaching out to Bank of America by phone, the associate I spoke with said that they would send me more documentation in order to help provide more information and details. However, despite having that phone call, I never received that letter. 

It is now XX/XX/XXXX, nearly four months since they closed my account - an account which I held with them for nearly 7 years, and I have no idea why. I maintain a very, very strong credit score and had a dependable record of monthly payments for the card in question. And so I feel compelled to assume that Bank of America closed my account for unjustifiable reasons and is trying to avoid addressing and fixing this issue which I know to be a mistake.

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 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
On XX/XX/3020 XXXX XXXX XXXX XXXX ( XXXX ) submitted my account for collection to Commercial Acceptance Company ( CAC ) for the amount of {$83.00}. I am not aware of any unpaid bills nor was notified by XXXX of an attempt to collect this amount prior to submission to collection agency. 
Email was sent to my primary care office of the above including copy of the CAC letter last XX/XX/2020. No response was given. 

I have sent a certified letter to CAC last XX/XX/2020 and have not received a response regarding verification of same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
Today i went to the XXXX XXXX police station so that officer XXXX could sign my Identity theft victims complaint and affidavit to support my identity theft report. Please see attached supporting documents. I have included my ID and utility bill for verification

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 2021-02-05 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: TN

Complaint narrative:
Was never able to get in contact with the original creditor about the alleged debt before it got sold to XXXX. A affidavit was sent a long time ago but XXXX XXXX XXXX, Chooses to ignore it. They bought the debt from another creditor and I never seen a letter from the original creditor, never even heard of the company. The original creditor failed to contact me. I was never notified from the original creditor not even a demand letter

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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received notice by email that, unless I responded, that I would be switched to paperless billing. I would never have received this. I just happened to check by junk email as I do periodically and caught this. 

This removed the consumers choice because they are slipping this choice under the door without announcing it. It could result in late fees damaged credit reports and other issues. It is unethical and immoral violating their own agreement to notify their customers in writing of changes to billing. 

It benefits only Chase and is misleading and a poor way to do business. It also takes advantage of customers. At a time when it would be very easy to get behind in your payments and be more difficult to catch up, this trend ( the second company Ive seen do this ) is dangerous ; it damages consumers choices and can damage our economy. Its foolhardy and inappropriate. It just stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have paid my account as agreed but the company keeps reporting an inaccurate information on my account, they marked it as late payments. On XX/XX/2020 I wrote to the credit bureaus and requested information about an account they are reporting on my credit report but they never responded. I advised them that if they failed to respond and/or comply with the law, then they would be subject to fines and damages, per the FCRA.

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 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am being harassed by mail advertisements for personal loan from Oportun using my home address but address to XXXX XXXX. I do not know this individual. I have had filed several complaints with the company and received acknowledgment. They promised to stop sending mailers and removing my address from their records. I keep receiving the same advertisement for the same individual in English and XXXX every other month. This has happened for 2 years now. Extremely Frustrating!!! Please Help

Company response to consumer: Closed with explanation