vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from XXXX ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at XXXX and noticed them of my concerns that their info of my family is being abused by Navient. I have expended at least 2 hours of my time thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
XXXX XXXX XXXX is where I obtained a loan from them. I fell behind on the loan due to a very unfortunate situation. I have been disputing the errors on the account with it coming back verified and accurate each time with no changes. The balance on each credit bureau is different. The last day reporting back to the credit bureau is different on each credit bureau report. The open dates are different as well. They have failed to properly dispute and correct all the information above. I would like for this account to be removed from all 3 of my credit profile due to them not properly correcting my credit reports and reporting untrue information on 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 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
Received a call from this company. Stating that I received loan proceeds in 2013, and asking for payment. I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
As a result of COVID-19 all of the GSEs have been authorized by the federal government, via the loan servicers, to provide up to up to 12 months of forbearance on GSE backed mortgage loans. All of the GSEs have made public pronouncements of the same. 

However, my lender/servicer - Quicken Loans, like many other servicers, is not complying with this mandate. 

They have offered 3 months initial forbearance after which I can apply for 'an extension '. BUT HERE IS THE CATCH ... at the end of the 3 months I have to pay all the outstanding payments in full before I can apply for an extension!!! I NO LONGER HAVE A JOB!!! 

When I hesitated at this I was advised by Quicken Loans that I could ask for a modification at the end of the 3 months if I couldn't come up with all of the back payments. But they would not be able to guarantee that I would get the modification or provide me with what those terms would be. My response was there was no way I would be able to come up with that money nor could I afford to have my payments modified by increasing my payment to make up for the forbearance payments. I would need the payments added to the end of my loan per the GSEs communications on this subject. They advised there was no way of them being able to guarantee that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.

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 2020-04-23 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-04-23 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
XXXX XXXX XXXX-located at XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX I am asking for help with having XXXX XXXX XXXX check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. The malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX-located at XXXX XXXX XXXX, XXXX XXXX, MS XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, on several different occasions the gear shift in my car has gotten stuck in park. The check engine waring has also come on serval times. This failure has caused me to be stranded in the parking lots of stores and once about 20 miles from home, late at night. I am almost afraid to drive the car. 
I called and reported this problem to XXXX XXXX XXXX, and I was given an appointment to bring the car in for inspection. On XX/XX/XXXX, I was told by a service advisor ( XXXX ) that I would have to pay {$100.00} just to have them perform a diagnostic test to determine if there was a problem and if there was, I would have to pay anther {$100.00} plus any other costs if the warranty did not cover the issue. I was told I would have to pay the total costs of any services before I could get my car back. 
I have not been able to work since XX/XX/XXXX and I can not afford pay any amount of money. I was forced to take my car back home and as soon as I left the lot, the check engine light came back on. 
I understand my financial problems are not Fords problem and I am not asking for a handout, only to have this company check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. This malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
I purchased this pre-certified vehicle from XXXX XXXX XXXX in good faith and because I was told it was in its best condition and Ford had maintained the best upkeep on it. 
On today, XX/XX/XXXX, while driving the car, the AC/Heat power button repeatedly turn itself back on, even I pressed the button to shut it off, it automatically came back on. This occurred about 7-10 times before it finally stayed off. 
I did purchase the Extended Service Plan Warranty for {$1900.00} upon buying the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of zero after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me 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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Javitch, Block & Rathbone LLC
State: KY

Complaint narrative:
XXXX XXXX filed a complaint of an amount owed, for which I received a Civil Summons in XXXX. The amount due was in connection with a XXXX XXXX credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. XXXX XXXX credit department said I had a XXXX balance due on my accounts. XXXX XXXX said I should contact the collector, Javitch Block LLC. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can XXXX XXXX not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from XXXX for 9 weeks, with no success, on an account for which they decided to take legal action 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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one is the only credit card company who refuses to waive a late fee during these hard times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I filed a complaint against Capital One initially on XX/XX/2020. My complaint was directly related to reports of a late payment on my credit file. I notified Capital One that I am disputing this derogatory mark on my report and asked for verification or proof of accuracy bearing my signature. Within 30 days I had heard nothing back from them nor was this item marked on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question. I filed a complaint with CFPB on XX/XX/XXXX and on XX/XX/XXXX I received the response from Capital One stating that " ... .. we are respectfully declining your request that we ask the CRAs and to change the information we're reporting about this account. 

In your submission, you stated that we have not responded to your previous correspondence. We have reviewed our records and we have not received any correspondence from you regarding this matter. 

On XX/XX/2020, we requested that the CRAs report your account as being disputed by you. Please allow up to 60 days for these agencies to update their records ... '' I have two documents that prove that Capital One did, in fact, receive two different correspondence items sent certified mail by me one in XXXX and one in XXXX. Additionally, if they supposedly received no correspondence from me, then how, on XX/XX/2020, did they know that they should request that the CRA 's report my account as being disputed by me? 

I would like this information to be immediately removed by Capital One as they are clearly not acting in good faith and have even outed themselves as liars in their very own letter. I have attached both documents providing proof that they received my correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following are inaccurate and incorrect account reports on my XXXX credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 

2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. 

3. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 

5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 

6. XXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 

7. XXXX account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with XXXX that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. 

Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. 

XXXX XXXX email : 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 2020-04-23 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: OH

Complaint narrative:
TransUnion has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : 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 2020-04-23 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: MECHANICS BANK
State: CA

Complaint narrative:
Amounts of {$2200.00} and {$350.00} were paid on XX/XX/XXXX to XXXX XXXX, Mechanics Bank. The total amount of {$2600.00} was applied to account number XXXX XXXX to pay the account in full. Account is still reflecting open with a balance of {$10000.00} on XXXX and XXXX. Last paid date on XXXX and XXXX show XX/XX/XXXX. 

I contact XXXX XXXX, Mechanics bank on XX/XX/XXXX to request a correction of the credit reporting and account status on XXXX and XXXX. Representative explained they would need a dispute and can be done by submitting CFPB Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect - I faxed and emailed and called and disputed the collection in XXXX of XXXX   they showed on my bureau explaining this account IS MINE ; however, I DO NOT OWE A CANCELLATION FEE to XXXX because I cancelled my services within 3 days. They removed it from my Credit Bureaus ; however, they replaced it on my Credit Bureaus again inXX/XX/XXXX.. Procollect refuses to remove this from my Credit Bureau Files again and keeps taking me in circles. I requested they provide me written validation  showing I did not cancel within my 3 day rights. They said they received verbal verification from XXXX that I did not cancel within 3 days. I asked again for written proof and they hung up on me. I DO NOT OWE THIS. I am requesting that they remove this immediately from all three credit bureaus and permanently. Sincerely, XXXX XXXX account number XXXX shown on my bureaus for Procollect. Their phone number shows on my bureau as XXXX. I am trying to refinance my home and they do not care. Thank you for you help.

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 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
This company completely takes advantage of minority customers. The interests rates are extremely high and they completely refuse to offer refinancing or lowering the interest rates even after making on time payments. I've called and asked several times during the months of XXXX and XX/XX/2020 to try and get help with this loan so that I can continue to make on time payments and not be ripped off by the interest. They refuse to help in any way. My financial situation has changed due to the COVID-19 situation and American Credit Acceptance has told me that they can not do anything to help. This is unbelievable!! I can't help from other lenders to refinance because I've been told that ACC has over charged me for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation