vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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:
To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit 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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I am a XXXX XXXX  XXXX XXXX XXXX XXXX veteran, I was suffering hardship from health issues then in XXXX COVID 19 hit. I was placed on a forbearance by Fay Servicing. On about XXXX they sent a letter saying I was on the forbearance and from what I understood it was still active. Then in XXXX I look at the paper and see my home with a foreclosure sale date of XX/XX/XXXX. I was shocked to see it since there is a federal moratorium on foreclosure until the end of XXXX. I also never received notification from Fay my forbearance was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
from XXXX XX/XX/2020 until today XX/XX/2020 i couldnt usde my card then i tried calling customer service of bank of america and got the run around and no help resolving the issue my amount i have on the account is $ XXXXi need a replacement card or have them transfer my money to my other bank

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 2020-09-22 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-09-22 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: FL

Complaint narrative:
I recently opened a credit card account to increase my credit scores which significantly increase XXXX and XXXX. Transunion significantly lowered my credit score approximately 20 points. I want them to give me back my point they had took and add points that reflect my opened credit card account just like the other 2 credit companies.

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 2020-09-22 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: PA

Complaint narrative:
Company refusing to remove fraudulent information from my credit report I have filed a identity report online

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 2020-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was contacted on XX/XX/15 by a private investigator to call a number. They said they have been following me. They gave me an account number. I called the number, someone named XXXX answered. He said that Check-n-go was going to take me to court for check fraud. He said that I owed {$3200.00}. They gave me settlement amounts. I asked for company name, and credential info. They did not give me that information. I was pressured into giving them my debit card info. I set up a payment plan and gave it to them - they said they will start drawing it on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority
State: CA

Complaint narrative:
On XX/XX/2019 my bill for {$64.00} did not go through when it was on auto-bill. I reached out to OSLA and they said they saw it try to come out of the bank but it was rejected. They never notified me of the rejections and gave me 2 late payments. Also again on XX/XX/2019 my bill for {$64.00} did not go through again when it was on auto-bill. This resulted in a total of 4 " Missed Payments. '' I now can not get a mortgage because of these marks on my credit and OSLA will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: IL

Complaint narrative:
There have been multiple ocassions were I make sure to keep all my balance low or just pay them off. Whenever I pay a balance in full the credit bureau Trans Union takes my score down. whenever I put a small balance on my report less than 3 % then Trans Union takes my credit score down. Also there is an old outdated tradeline on my report that the bureau will not fix and i also had multiple angencies try to fix it and Transunion will not fix it. they will not age this credit out of my report from 5 years ago. XXXX Department Store. Please help me. XXXX tells me that Transunion has never contacted them in regards to this tradeline being on my report. I also requested the information from Transunion that this deparment store has sent to them to verify this account, and they won't provide it.

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 2020-09-22 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/20, I received an email from XXXX that my credit scored with XXXX had been reduced by 30 points. When I accessed XXXX, my entire auto loan with Ally had been removed and identified as paid. I submitted 4 emails and proof of the reporting to Ally and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called Ally and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they screwed up? Why do I have to suffer for their mistake?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Give me a refund on the XX/XX/XXXX and Took it back on the same did after they give me a refund then on XX/XX/XXXX I filed a claim with they returned the money and then XX/XX/XXXX they took it back so I just lost my money for a washer that XXXX or dont let ship

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THIS IS A TOTAL FALSE ADVERTISEMENT/SCAM? TO GET CONSUMERS MONEY! 
I DID ALL THAT WAS REQUEST AND GOT NOTHING NO BOOST JUST RIPPED OFF INTO BUYING A dam membership. 
Not a good thing to be doing during a recession /crisis. They are using this scam to charge your credit and or debit card to purchase a credit bureau membership. 

Please make them stop this scam. Like I said I pay my XXXX  energy bill on my XXXX  XXXX card and like a XXXX fool I grant EXPERIAN access to my major credit card XXXX  XXXX for this boost scam. Got absolutely nothing no boost. I also contacted my XXXX    XXXX credit card company to report this scam. 
XXXX  XXXX, they are watching this credit bureau scam as well. I am not the first person reporting this to XXXX XXXX. XXXX XXXX informed me of this scam too informing me that other customers that have credit cards with XXXX  XXXX has also been reporting this to the credit card companies.

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: WI

Complaint narrative:
I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency responded by mail with a print out of the debt but not the ORIGINAL contract. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency if ruining my my reputation and creditworthiness and is in direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX ( Original Lender 11 XXXX XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Afni Inc on XX/XX/XXXX under two different account numbers for XXXX   and XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: MD

Complaint narrative:
On XX/XX/20, I received an email from XXXX  that my credit scored with Equifax had been reduced by 30 points. When I accessed Equifax, my entire auto loan with XXXX  had been removed and identified as paid. I submitted 4 emails and proof of the reporting to XXXX and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called XXXX and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they XXXX  up? Why do I have to suffer for their mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello : I have experienced a number of problems with Hyundai Finance. Sometime in XX/XX/XXXX, I leased a vehicle from a XXXX  dealer in XXXX, Florida and financed the lease through Hyundai Finance. 

When the COVID-19 pandemic occurred, I was impacted financially. Immediately, I informed Hyundai Finance and was told I was on a Deferment Program. After XX/XX/XXXX, it became almost impossible to get in contact with anyone in Hyundai Finance because Hyundai Finance has a recorded message that states " customer service is unable to take your call due to an overwhelming amount of calls received due to the COVID-19 pandemic. '' For that reason, I was unable to get in contact with anyone prior to the payment due date. 

Today I learn that I have three late fees assessed totally {$54.00} to my account as follows : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was told by a customer service representative today, that the reason for my late fees are being charged because I paid the monthly installments late ( past the 10 day grace payment period ). However, I checked my records and note that Hyundai Finance payment information is incorrect. I confirmation number of my payments being made within 6 days from my payment grace period. The XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number is XXXX ) and the XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number XXXX ). I explained this situation to the Hyundai Finance Supervisor, XXXX XXXX, and despite the evidence of payments and payment due dates, I was told that there isn't anything Hyundai Finance can do to correct it and that I have to pay the late fees even if its THEIR system error. 

It is evident that this is consumer FRAUD and its deceptive practice. I request that a complaint and investigation be initiated and corrected as soon as possible. 

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 2020-09-22 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have been disputing this account present in my report because of its inaccuracy. I have contacted them multiple times but everything is getting nowhere. All I want is to have this account removed because I know that is justice. The information reported in this account does not match the bureaus reporting it, too many different information though it is only a single account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Granite Edvance Corporation
State: TX

Complaint narrative:
The company inaccurately reported delinquencies in XXXX, XXXX, XXXX, XXXX of 2017 while I was under Forbearance. Requested forbearance with customer service representative. They also report account as previously 180 days late which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Two unauthorized money transfers were taken through my XXXX which was directly linked to my bank, one in the amount of XXXX dollars and the other XXXX dollars. I filed two disputes for both these transactions, and within about an hour of so of filing each dispute, my claim was denied due to the fact I have sent money to the person who received the funds before. Speaking with a representative from XXXX through chat messaging, I was told that money transfers were under the assumption of them that they were legit transfers. I do not know how this person was able to log into my account to transfer this money, but I absolutely did not authorize them to take any of the disputed funds. I was able to stop payment through the bank on the XXXX and the XXXX is now under investigation through the bank. However due to the stop payment, XXXX now has my balance in the negative and refuses to remedy the situation and want me to pay the negative balance, money which I do not have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

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 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: TX

Complaint narrative:
On XX/XX/20 I sent a letter to CKS Financial requesting that they provide me proof of the alleged debt I owe, by providing the bearing of my signature, a copy of the contract stating I own this debt, the name, address and telephone number of the person who verified this debt. They failed to provide the requested information to me in a timely manner. When they did respond, the only thing they sent me was a brief summary balance. But no proof indicating I own this debt. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I have a mortgage with Caliber Home Loans. The mortgage is currently 5 years and 2 months old. I had an appraisal done on my home in XXXX of 2020 that stated the home was worth {$420000.00}. Caliber Home Loans received a copy of that appraisal in XX/XX/2020 and they have it in my mortgage records right now. I currently owe {$320000.00} on the mortgage. Using these solid numbers, the current Loan To Value is 76.5 %. Per the PMI rules for my loan, the LTV must be below 80 % and the loan must be 5 years old or greater. I currently meet both of those criteria. Caliber Home Loans is telling me that I have to get another appraisal ( at my cost ) in order for them to consider removing the PMI monthly premium. 
I have called multiple times into their call center and have not been able to get anyone on the line that can answer even basic questions about PMI and what is necessary to get it removed from my mortgage. They just state repeatedly that I have to get another appraisal, which I know I do NOT need to do. 
They also do things like put me on hold for 30 minutes or more, transfer me around to others who also know nothing about PMI, and refuse to let me speak with a XXXX or anyone that can speak knowledgeably about PMI.

Company response to consumer: Closed with explanation