vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks

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 2020-10-02 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: GA

Complaint narrative:
My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with Transunion to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against 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 2020-10-02 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX  XXXX 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 2020-10-02 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has not reported a paid balance on our credit card. Credit bureaus are reporting the card as maxed out and the card was paid off. I requested the update be reported to all three credit bureaus immediately and USAA refuses to update our account with the credit bureaus. 

In addition there are still minimal balances left to pay on the credit cards ( {$11.00} on one and {$18.00} on the other for a total of {$29.00} ). These balances were added after being advised to pay the current balance due to pay off the cards. We paid them, USAA still wants another {$29.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
It was XXXX of XXXX when I got a loan for a vehicle from Ally Financial. Paper work was done incorrectly from the start, it was a loan for my mother and I was supposed to be somewhat of an authorized user on the account. When we brought it to their attention they said it was ok and there was no need to change. As time went on my mothers job became slow and we were denied a refinance in XXXX or lower payments ( even though we were overcharged the XXXX blue book value and no one wanted it as a trade in at all the local dealerships. ) We did everything we could to keep up payments and it came a time we were begging for help with less than a year owed and they refused to take the monthly payments but instead wanted the full amount owed. Unfortunately we didnt have that kind of money and cleaned out the car to be picked up for repo. Once they resold the car I began receiving bills for {$9500.00} ( more than what was owed or the car value ) and eventually it was placed on my credit report for collections. I feel no one really wanted to help us in time of need but instead seen an opportunity to get paid twice and take advantage of the situation. Its not fair to pay for something I dont have and that has already been paid for especially when payments were denied when we were trying to keep the vehicle

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 2020-10-02 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: AZ

Complaint narrative:
I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, XXXX  and Equifax with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: AZ

Complaint narrative:
I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, Experian and XXXX  with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.

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 2020-10-02 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: GA

Complaint narrative:
My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: GA

Complaint narrative:
My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against 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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX my debit card with Navy Federal had been restricted for a year ( XX/XX/XXXX ) because of fraud on my account and a unauthorized person using my debit card. On XXXX XXXX the reconsideration that they did was that they were basically going to restrict my debit card access for another year. I had not been able to use my debit card for a whole year and I was looking forward to using my debit card and they restricted it again. All I want is debit card access to my account, thats all Im asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Last week and earlier this week I submitted the requested documents via PennyMac portal as well as I resubmitted the same documents via the PennyMac team email address. Today, at XXXX XXXX  EST I received an email from XXXX XXXX stating " missing documents for your application '' and said that this was a NOTICE OF IMCOMPLETENESS and if I didn't submit the documents by XX/XX/XXXX that my application " PennyMac ( sic ) may need to decline the application for being incomplete ''. I am working on my 3rd refi with PENNYMAC this calendar year ( XXXX ) and have had a horrible experience. The first refi completed, I muscled through and completed. the second refi, I receive a {$7000.00} credit towards closing costs since it tool over 110 days to complete on a refi where PENNYMAC held the mortgage and couldn't complete the refi in a timely manner. I am working on a a refi money out and AGAIN!! PennyMac can not get out of their own way to complete a simple refi. I confirmed on the phone with a representative that they could see where I submitted the documents twice ; however, XXXX XXXX took more time to draft and send me a threaten email rather than SIMPLE looking in the folder and determine the documents were submitted twice to PENNYMAC. I am sick and tired of working with an incompetent company where employees aren't trained or overstressed with the work load. 

I expect a return call explaining how this could AGAIN become an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
All I asked WF is to properly subtract my entire principal payment from the balance like they should have done on the date of payment. Wells Fargo is trying to commit fraud again! All I asked them to do was fix this so-called mistake and they refused. They just gave me the run around! No idea what they did????? All I know is WF is charging me interest on my incorrect balance! 

By accepting the principal payment and having it printed on the receipt, WF entered to an agreement to accept the principal payment! I should have been not been told it would go towards my balance if it was not going to be at the time of the deposit! Principal payments go directly towards the balance only, not interest! 

Principal payment is simple math. The entire principal is subtracted from the balance only! They do not need to contact me to confuse the situation or try and convince me what they did is correct! This is not the first time Wells Fargo has done questionable activities, in fact there is a XXXX ( Dirty Money ) special just on Wells Fargo illegal activities. This is why they have commercials that state : earning your trust back .... Now the question is how many customers is Wells Fargo doing creative accounting on?

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 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited three checks about a week ago in late XXXX, 2020 for the sum of XXXX into my Chase checking account. All three checks cleared. Yesterday my debit card for my personal checking account was declined. I went to the local Chase bank in XXXX XXXX and asked what was going on and Chase had frozen my checking account. The branch manger told me she could not speak to me about it, I had to talk to the security department over the phone. The woman from securities was extremely rude. She said she couldn't verify any of the checks. One of them was a personal check and two were from separate companies. They called the number I provided for the personal check ( XXXX ) and said it was verifiable but they couldn't verify the other two ( XXXX ) and they couldn't give me the funds until they could. 

The next day my account was closed and my money was gone, including the remainder of funds, not affiliated with these deposits. I went into another Chase bank and spoke with a banker. He called Chase securities again. He seemed just as baffled as me. He said " I'm not sure why they are doing this to you, it doesn't make sense to me either. '' After the call he apologized and said there was nothing he could do. 

My rent check didn't clear and I am missing payments on my credit cards. This is doing a lot of damage and it seems illegal. I don't know what is in place here to protect me, the customer, but it has been very damaging to me financially and caused so much stress. I feel that I am being treated like a criminal when all I did was deposit three checks, which I have done many times in the past.

I have attached the three checks in question at the bottom in PDF format -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
I received a letter from Debt Recovery Solutions of Ohio , Inc. stating that I owe an outstanding balance. I am disputing the claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. Debt Recovery Solutions of Ohio, Inc., did not complying with FDCPA and with the FTC. Under the FDCPA Section 806,807, 809,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, and FCRA 605B ( 15 U.S.C 1681c-2 ) failed to submit the proper documentations to validate the debt. Due to the Coronavirus ( COVID-19 ) Pandemic and the time frame of the actual implementing judicial procedure for processing from XX/XX/XXXX- XX/XX/2020 a Summary Judgment was granted in favor of the Debt Recovery Solutions of Ohio , Inc . I was unable to have the benefit of counsel and fair judicial process, this debt is fraudulent and never validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
hello : i sent XXXX dollars to my brother in law over seas with western union. 
after 55 days i was told the transaction was declined and for the last 4 days i have been trying to get a refund and i got no good answer, every time i call am put on hold for a good hour and a half then they till me we will call you back with an answer. 
i never got that call my name is XXXX XXXX XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In early XXXX I found charges on my credit card online account dated back in XXXX. Upon looking at all charges found more charges that werent mine dateing back to XXXX. I called in to report unauthorized charges and I could not find my credit card nor did I have it in my possession. 
On or about XXXX I was contacted by the Chase fraud department about these 7 charges dated XX/XX/XXXX for {$1300.00}, XX/XX/XXXX for {$160.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. These charges are not mine nor made by me. 

In a second conversation with the chase fraud department I was told by the agent that according to my public records I worked for an equipment company in the past and these are equipment type businesses an I received letter from the Chase fraud department dated XXXX with their decision on their investigation stating I received benefit from all purchases disputed. This credit card as the majority of my other credit cards signed check id. Chase hasnt ever provided me with how they came to the decision of me receiving benefit from these charges as I didnt make these charges nor did I benefit from them Ive spoken with Chase numerous times and will still take their calls an explain this situation to them everytime. Ive wasted entirely too much time an effort in trying to resolve this issue and has became nothing less than harassment. Ive filed disputes on my credit reports an items still havent been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: VA

Complaint narrative:
Good day-I have disputed on several occasions an inaccurate XXXX XXXX car loan reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020. To date I have not received a response to my last letter-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.

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