vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
Contacted Vanderbilt Mortgage and Finance , Inc. on XX/XX/2022. I asked for a one month extension on my home mortgage. The representative that handle my account asked me why I needed to extension and was I still working. I answered her questions as to why I needed this extension : My son had purchased a mobile home and needed some financial assistance to have his utilities turned on. 

She asked me how much it cost and I told her {$2000.00} and explained what it would take to get everything turned on for my son. She would put me on hold and come back with more questions. I asked her if it was a problem with my request, she said that I could only get one extension per year and they wanted to make sure that if I had a hardship later ; I would not qualify. 

After of all of her questions, her supervisor came on the phone and continued to question me as to why it cost so much to have his utilities turned on. I explained to him that we live in the rural area it costs more because the water meter had to be ran from across a highway in order to bring the water to his property. The supervisor apparently had issues believing my situation. He said my son was grow and he needed to handle his own financial situation. And that I was still responsible for paying my XX/XX/XXXX mortgage in the amount of {$630.00} During the conversation I indicated to the representative that I could pay XXXX and XXXX during the XXXX payment. But those individuals did not care about my request. 

As you can see, I only needed one extension. What is the reason a customer calls their mortgage company before the note is due, requesting assistance but they don't have any moral values about the customer needs.

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 2022-02-18 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: DISCOVER BANK
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, Florida. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX upon trying to sign into my online bank account for bank of america I found that I couldn't sign in and when I called none of my security questions matched. When I called they determined that I needed to change them because someone stole my online information. I discovered that {$5000.00} had been wired from my account into another unknown account without my knowledge. I filed a claim with them multiple times on XX/XX/21, XX/XX/21, and on XX/XX/21. When the claim finally went through they credited my account with the money and after their " investigation '' they said they found that they couldn't get the money back from the person who stole it from me. And it must have been a wire transfer that I supposedly gave permission to. It was a fraudulent wire transfer that I never approved. I filed complaints with the FTC for a identity theft report # on XX/XX/21 report # XXXX and I Aso filed a police report on XX/XX/21 report # XXXX I gave bank of america all of this information and they still said that I was at fault. I requested the documents from their investigation and how they came to their conclusion and they only sent me a paper saying that I must have approved the transfer. It shows on my account that it was to another account in Sacramento.I am at a loss of what to do now and in fear of my financial reputation being ruined over fraudulent charges that had nothing to do with 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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
A certified mail document was sent to the wrong address. I havent lived at this address in over 6 years. With that being said, without being officially served, I had to look up the court documents. Which states I have a court hearing on XX/XX/2022. Midland Credit Management is currently suing me, improperly had legal documents served to an incorrect address. This company has been harassing me, through several phone calls to myself and loved ones. I havent received any documentation in the mail or sufficient evidence from Midland Credit Management regarding the reason why these charges were recently filed against me. I have no information regarding what debt this company is trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I have received multiple email from an individual by the name or XXXX XXXX from TrueAcord claiming that I owe a debt from XXXX  XXXXXXXX XXXX I have never had a credit card or any other debt to that company. It also states on the email that they can no longer sue based on the date of that debt. 

I believe its a scam because when I researched that company and its affiliated XXXX XXXX theres many people complaining that they are being contacted for debt that is not theirs. 

Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WY

Complaint narrative:
Somebody used my social security and personal information to apply for credit. XXXX did a hard credit inquiry at TransUnion. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from TransUnion.

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 2022-02-18 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: GA

Complaint narrative:
My name is XXXX XXXX and I am personally submitting this complaint. Please view the attached documents as it will explain my complaint in detail for each inquiry

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JAN (LendUSA) Holdings, Inc.
State: AK

Complaint narrative:
My family and I will be moving to XXXX XXXX, CA near the end of the year ( XX/XX/XXXX- XX/XX/XXXX ) due to military orders. We started speaking with a local realtor who referred us to XXXX XXXX of the XXXX XXXX XXXX LendUS LLC in XXXX XXXX, CA. My wife clearly stated that we would not be moving or be obtaining financing until we actually make the move, dates previously stated. XXXX even confirmed that a hard credit inquiry for the purposes of securing a home loan would make no sense with us being 9-10 months away. My wife was merely calling to get an idea of rates and current market conditions. She did provide the financial information needed to run a report so that it would be on file. At no time did my wife authorize XXXX 's firm to run our credit, and it was clear on both sides that it wouldn't make sense this early in the process anyway. Upon hanging up, XXXX immediately ran our credit without permission. I was notified through credit monitoring services that I use. When my wife called to inquire, XXXX simply stated a ) that he assumed it was okay and b ) that I could just travel ( from Alaska ) to XXXX XXXX months ahead of schedule and buy a house. I'm not only cutting ties with XXXX as a lender, I've filed a dispute with XXXX, and am reporting this issue to you. I've put many years of energy and focus into building a strong credit profile, and reckless business practices like this work against all that effort. I have no documents to upload because this was all initiated by a phone conversation - nothing was filled out or signed. 

XXXX XXXX The XXXX XXXX XXXX LendUS LLC XXXX CRD/LENDUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: GA

Complaint narrative:
Sent a letter to TransUnion to remove two outdated accounts off my credit report from XXXX XXXX XXXX account # XXXX statute of limitation six years. The second account # XXXX statute of limitation four years. Instead, I received a letter stating that they believe that I'm using a credit repair company. ( Documents attached ).

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with Florida statute of limitations ( FDCPA - F.S. 95.11. ) the contract date of this account is way past the 5 year limit for valid reporting according to said regulation. Account should not be on my credit report, in fact JPMCB AUTO FINANCE continues to change the date on this account by reporting an erroneous payment date in order to make it appear younger than what it is, and this they continue to do despite my numerous requests to rectify the problem. Theyre claiming some credit that they issued to my account on XX/XX/XXXX. My last payment was made more than 5 years ago. In fact this account is over XXXX XXXX XXXX and the term was 42 months and since they claim I owed them the last three months of the term in reality my last payment would been 39 months after the start of the loan which was XX/XX/XXXX, or over 9 years and three months. What JP Morgan is doing to me is showing blatant disregard for the rights afforded me by the Florida Statutes, namely FDCPA - F.S. 95.11.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I disputed a transaction for {$99.00} in or around XX/XX/2021. The amount was credited per the normal dispute process. While on the phone with Barclay 's support, the representative credited a late fee, we determined the total balance due, and I then made a final payment to bring my account balance to zero. Subsequently, I received notice via post, that the XXXX dispute was found to be in my favor and the matter was considered closed. However, the credit that was returned to my account was only approximately {$94.00}, not the full {$99.00}. A balance for approximately {$6.00} was carried over and I was charged late fees and interest. I contacted Barclay 's multiple times each with promises that the issue would be resolved. It has yet to be resolved. 

Finally, I became aware the issue was still not resolved, and I had been reported to the credit reporting agencies. I contacted Barclay 's again. This time they agreed there was still an outstanding issue, but there was a new charge of {$29.00} that had contributed to the late fee, so there was nothing they could do except send in a ticket about the dispute. They did, and I subsequently received another letter stating I would not be liable for fraud on my account after their investigation, and the credit report could take 30 days to update. A few days later, I received the latest invoice with additional late fees and interest. 

These are clearly billing errors, and nobody at the organization is taking ownership to resolve the issue. Due to Barclay 's poor business practices, they are " passing the buck '' from department to department to my detriment. They have violated multiple federal laws in the dispute and credit reporting processes, and I am beginning to accrue significant damages as I am currently in the process of purchasing a home.

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 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've mailed Debt Validation -609 Letters to Transunion, XXXX, and XXXX dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to 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 non-monetary relief
Consumer complaint received 2022-02-18 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: SC

Complaint narrative:
I've mailed Debt Validation XXXX Letters to XXXX, XXXX, and Equifax dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief