vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

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 2020-08-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
for the past three months my mortgage company selene finance has misrepresented my payment history on my monthly mortgage statement, showing an unpaid balance for the month of XXXX, XXXX, and XXXX and applying my mortgage payment to an Unapplied balance account instead of properly applying them to my mortgage payment account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Activus Corporation
State: CA

Complaint narrative:
I applied for a mortgage refinance. I understand that this process will create triggers that other lending companies pay for to send other offers to entice me to go with a different company instead. I received many of these letters. There was one in particular that was not easily identifiable as an alternative loan pre-qualification offer. It does not have the name of the company at the top, and the wording of the offer makes it seem like I need to call this company as there might be something wrong with my existing refinance application. " We have important information regarding your mortgage loan and a new monthly payment option ... It is important you call our Loan Department ... '' Although all of the fine print at the bottom is similar to other offers, this offer seems somewhat predatory in nature. I found the name of the company providing the offer at the bottom of the letter : Activus Home Loans, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX. I am not a customer of this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/20 I received a call from your XXXX XXXX XXXX, a debt collector. XXXX stated it is a XXXX XXXX XXXX account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. 
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact Comenity Bank. 
The same day, I contacted Comenity bank and sent them a letter and to this date, have not heard back. 
XXXX, I received another call from XXXX, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. 
We heard nothing until today. A call from XXXX XXXX at XXXX. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. 
I am now frustrated beyond words and is requesting your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
An unemployment claim was opened in my maiden name fraudulently by someone other than myself. I attempted to contact Az UE to report the claim as fraud. I was unable to speak with a representative. Therefore, I wrote in bold print on the eligibility letter " THE CLAIM IS A FRAUDULENT CLAIM '' and cut up the XXXX debit card and returned the letter and the card back to the Unemployment Office on XX/XX/27. I also reported the claim as fraud online. I have yet to hear back from Unemployment. Today I received a debit card from U S Bank RellaCard. After some research I've learned this is also a debit card to receive Fraudulent UE benefits. I am spending tireless hours trying to report this to the right people and prevent the claim from being paid. How do I get my name and SSN flagged. Please advise ... ..

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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I was looking to purchase my first home & Quicken loans/Rocket Mortgage said I could afford a loan through them. The home was found to be on 2 parcels well before we finalized the mortgage & Rocket Mortgage ordered an appraisal to include the second parcel. I was assured throughout the process that the numbers presented to me, which were the max I can afford, included taxes on the 2 parcels. The finalized payment was $ XXXX/mo in total which is at the maximum of the debt/income ratio lenders need to qualify for loans as I make only $ XXXX through XXXX. Three months after moving & the city sent out the tax bills I received a notice from Rocket Mortgage saying that my mortgage was sold to another company. Later upon checking my payment for XX/XX/2020, I noticed the payment had ballooned to {$1000.00}. 

I called Rocket Mortgage & they told me they didn't know there was a second parcel. They said that once they added the second parcel it ballooned my payment & that I have to pay it. I only make $ XXXX/mo. I can't afford this loan & I can't sell me home for at least a year because of the mortgage contract stating I was buying the home to live in, not for profit. This is either a case of predatory lending or gross negligence, but either way Rocket Mortgage violated federal law when they issued this loan to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 file a dispute with these two company XX/XX/2020 and i still have yet received anything from them.

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 2020-08-07 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: FL

Complaint narrative:
CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: FL

Complaint narrative:
CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION

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 2020-08-07 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-07 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-07 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-07 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: CA

Complaint narrative:
i file a dispute with these two company XX/XX/2020 and i still have yet received anything from them.

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 2020-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
My wife and I sought a {$35000.00} loan to assist with medical expenses. I'm the one who works, she stays home with the children. Right from the start, things went sideways. Instead of {$35000.00}, we only received {$32000.00}. I'm working full time, so I don't have the time to call Prosper. Anytime my wife called, she was put on hold for 10-15 minutes at a time, no matter what time of day it was. So we never got a clear answer about why this was, other than some vague story about the remaining {$3000.00} being applied to interest at the end or something. We then started making payments, which were due on the XXXX of each month, of about {$900.00} a month. I tried to get ahead on principal payments. They first told me that I could only make principal payments on the XXXX of each month, otherwise any payments I make would just go to the net months scheduled payment amount. Ok, fine. In the second week of XX/XX/2020, I made the {$900.00} payment and waited until XX/XX/XXXX to make a {$4000.00} principal payment. There's interest applied to both payments. What in the XXXX?! I called them up to find out the problem. THIS TIME they told me that anytime I make an early principal payment before the payment date, interest is taken out, and then new interest is due on the payment date. WHAT THE XXXX IS GOING ON HERE?! And then, after I seek clarification of these two different payment explanations, I'm put on hold for 15 minutes and then disconnected.

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 2020-08-07 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have wrote Experian on several occasions to remove the inaccurate address off of my profile but they will not remove it. I have sent in verified notarized proof and they still refuse to remove this address from my credit profile. I wrote them in XXXX, XXXX and in XXXX and it is the same old thing. I wrote them XX/XX/2020 and they received my information on XX/XX/2020 and XX/XX/2020 I received dispute alerts saying that my disputes where complete. In seven days they decided to mark my dispute as complete. They just received it so did they even take to proper steps in looking into this situation are did they just decided to do what they wanted and keep the address listed on my file.

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 2020-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/2020, payment of XXXX. Me and a partner have been trying to make a payment when they called and take XXXX each week. Turns out, they haven't been taken out the money from my partners account and now it is 37 days late when we asked to take out XXXX each week. We just paid XXXX today and made sure they actually did it. They kept saying payment received but turns out they never took out any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
There was a nearly {$3000.00} USD overpayment pending on my Citi credit card for nearly 1.5 months. I requested this be processed and refunded to me on XX/XX/20. After 3 follow up phone calls, I still do not have the refund or any evidence it is pending with my bank, to which we set up the refund to be deposited as an ACH. It is now XX/XX/20, outside the required 7 days for this to have been processed and sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are not my accounts, nor are these my names and addresses on file. Please remove them.

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 2020-08-07 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: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
American Honda Finance is not reporting on-time payments to XXXX. American Honda Finance is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from XXXX  credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2020, XXXX XXXX mailed a letter stating that they returned {$3200.00} back to Fedloan to reduce my student debt. I contacted Fedloan and they said it would take sometime, I waited for six months and I did not see my debt reduced. I contacted the Department of Education and they said that there was no check for {$3200.00} however XXXX XXXX said they sought the check and wrote a letter to prove it.

Company response to consumer: Closed with explanation