vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is a terrible, awful company. Due to a chain reaction of events caused by Equifax 's own failures, I am currently unable to lift a security freeze to apply for an auto loan. 

I currently have a security freeze on my Equifax credit file. I needed to temporarily lift the freeze to apply for an auto loan. On Friday evening XX/XX/2020 I attempted to login to the my.equifax.com website to control my security freeze. For some unexplained reason, the Equifax website would not authenticate my account using my correct ID and password combination. ( The same ID and PW combination previously worked perfectly a few weeks ago when I needed to lift the credit freeze to apply for a mortgage ). As a workaround on XX/XX/XXXX I then tried to authenticate my identity through Equifax 's automated telephone system. I answered all the authentication questions correctly. However, for some unexplained reason again Equifax was unable to confirm my identity through that method. Accordingly, Equifax decided to lock out my account permanently. 

To try and resolve this issue, I was only able to talk to a human customer service representative from XXXX Eastern time on weekdays. I talked to an Equifax agent the next Monday XX/XX/XXXX, after waiting in a telephone queue for over 2 hours. 

According to the Equifax representative, my only available option was to send a copy of my drivers license and social security card with a cover letter requesting Equifax to lift the security freeze. I was told that Equifax would send me a letter through the mail with further instructions to contact them to confirm my identify after receiving my request. This process would take 7-10 business days through the mail. 

Equifax can not be trusted with the basic ability to run a website, properly authenticate my identity and allow me to control the security freeze as I determine. Of the 2 times I have needed to control my security freeze, 50 % of those times ended in failure. The risk is too great that this will happen to me again. As a consequence of this experience, I intend to take whatever steps necessary to permanently remove the Equifax security freeze ; and I will never again place a security freeze with Equifax in the future. As you can appreciate, this result is entirely contrary to the purpose for offering a security freeze in the first place, and as a result of Equifax 's incompetence, my credit file will remain at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Conn's, Inc.
State: TX

Complaint narrative:
A loan from Conns showed up on my credit report around XX/XX/XXXX. It shows the account was open in XX/XX/XXXX. The amount owed is {$1800.00} and the account went 30 days late on XX/XX/XXXX. The account does not belong to me. The first time that I called Conns they kept telling me that I do not have an account with them. I insisted that its showing on my credit report and causing my score to go way down. The next time that I called Conns, I finally got ahold of someone that would listen and dug a little deeper. He did find an account that was somehow linked to me by some accident. He gave me account number XXXX and then transferred me to the fraud department. I spoke to the lady in the fraud department and she admitted that it wasnt actually fraud, that Conns was just reporting it wrong. She assured me that they would look into it and gave me a ticket number XXXX. That was in the beginning of XX/XX/XXXX and as of today, I have yet to hear back from them or be able to get in touch with them. I need this item removed from my credit report immediately due to Im trying to buy a house. This isnt the first time that Conns has linked someone elses account to my credit report. It did happen years ago and they resolved the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX I disputed a inaccurate bankruptcy on my credit file.XXXX I received notice the file is complete and they verified the information is correct. what I ask for Equifax to do was send me the method of verification, and also verify this information from the actual court and send me a copy. they are not able to verify the accurate discharge date or give me the amount of the bankruptcy. receiving information from public records, The court has refused to become a Data Furnisher concerning this public records item, therefore the information is by all definitions is unverifiable, and that you can not verify an item that is reviewed from public records. This item must be deleted. 
XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since XX/XX/2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. 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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. 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 2020-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/20 I was prompted to update personal information so that my new Citi Bank Mastercard could be sent to me prior to its expiration date. I followed the prompts and at the end of the process I had somehow opened a Citi Accelerate Savings account ( ending in XXXX ) that I did not want. The whole process was very deceptive. I have been trying since XX/XX/20 to call Citi to cancel the account but Citi doesn't answer any of their customer support numbers.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RANLife, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I closed on a refinance with my current lender Ranlife Home Loan. To my knowledge the transaction was completed as I received the title information via email. On XX/XX/2020 I checked the borrowers portal to ensure that the loan was paid off. However, my account was showing that I had a payment due. I contacted Ranlife the same day and spoke to a supervisor by the name of XXXX who indicated that they could not locate the check but would complete research and get back to me. He never called as promised so I called on XX/XX/2020, to follow-up and spoke to another supervisor who stated that all checks were routed from their Connecticut office to Texas, yet I was not provided with a routing number. It has been two weeks since I closed, but this transaction still has not been completed. I have never encountered this level of incompetence and negligence. I want to make sure that this issue is addressed to ensure that there isnt a negative action due to the extreme incompetence of this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr Cooper reported my mortgage loan twice with the credit agencies. My loan number with Mr Cooper was XXXX and the loan has since been sold to another servicing agency, XXXX. My credit report currently shows two mortgage loans, one with Mr Cooper for {$610000.00} USD, WHICH IS INCORRECT, and one with XXXX, which is correct and should be the only mortgage loan on my credit report. I contacted Mr Cooper over the phone the operator refused to explain to me what the credit reporting error was and hence, she could not help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tan Oak Financial
State: IA

Complaint narrative:
With COVID, I found myself in a financial bind on XX/XX/XXXX, the only option for me was to take the loan ( {$400.00} ) at 600 % from Tan Oaks Lending. My paycheck was deposited in my account after XXXX  on XX/XX/XXXX. I called the company based in UT at XXXX XXXX  PST to pay this loan off. 

The representative was EXTREMELY rude, then proceeded to tell me that the payment would not be processed till tomorrow. Upon requesting to speak to her manager, she continued to be rude and made no effort to connect me to him. The Rude Rep Ms. XXXX aside, to not process payment the same day is EXTORTION and FINANCIAL XXXX! Most financial institutions have a sane day cutoff at XXXX XXXX  EST. Further more, I was not informed that they would hold the loan for an extra day to pillage, from the struggling! 

How can the FTC and CFPB allow this, it is no wonder the poor in America are getting poor, it because of financial XXXX  like Tan Oaks Lending. If Tan Oaks Lending, their executives and management are too incompetent to have a payment processed the same day before XXXX XXXX  EST, then shame on CFPB for allowing them to be in business, still shame in the CFPB where companies are allowed to charge 600 % and upwards on a loan, how is some ever to get out such a hole. You are the government, supposed to be for the people, by the people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: CO

Complaint narrative:
During the COVID pandemic, I have tried on several occasions to get in touch with Cornerstone home lending in New Jersey. They do not answer there phone. Hours upon hours of waiting to speak to a customer service representative. Note : Even before COVID, they were impossible to get a hold of. I have spoken to a live chat, they have no answers to this problem. It is now XX/XX/XXXX, I have spent the last week messaging them trying to get help with my mortgage loan and they have not been helpful. It is ridiculous that you can not get a person on an email, messaging system, phone, or live chat to try and resolve this issue. Come to find out, it is a third party handling the call center, and now I have been transferred to someone else. This should not be this hard to speak to someone about my mortgage loan. Extremely frustrated. I have been trying since XX/XX/XXXX to get in touch with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: LoanCare, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Hi this is XXXX XXXX XXXX .I have requested for my mortgage servicing company RUSHMORE ( Loan # XXXX ) for a deferment of mortgage payment for three month due to being layed off as a result of Corona Virus.I have tried several times to call them to no avial. 

their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH # XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been trying to get a IDR and loan forgiveness for a year now. Each time it is denied need this paper that paper, to which they already have it is never ending. 

I cant keep doing this with phone calls and paperwork. Its exhausting to say the least I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I JUST LEARNED USAA DID NOT NOTIFY ME A CARD END XXXX I REPORTED FRAUD XX/XX/XXXX {$470.00} NEVER EXSISTED ( **FOR TWO YEARS USAA TAUNTED ME TRYING TO RESOLVE** )?? HOW DID I REPORT THE FRAUD? see lette XX/XX/XXXX XX/XX/XXXX FRAUD CLAIM DATE {$470.00} USAA DID NOT INVESTIGATE FRAUD I REPORTED. The investigation did not Complete until XX/XX/XXXX with UNAUTHORIZED TRANSACTIONS CONFIRMED XX/XX/XXXX USAA Collections Rep XXXX ID # XXXX CONFIRMED CREDITCARD END XXXX NEVER EXSISTED.??? BUT I AM DELINQUENT AND USAA CLOSED CURRENT ACCOUNT REPORTING DELINQUENT. I was denied credit due to this with XXXX  XXXX ( documentation upon request ) AND XXXX NEVER EXSISTED?? THIS IS MY BALANCE THAT USAA CLAIMS IS DELINQUENT ON ANOTHER ACCOUNT THEY OPENED. CARD XXXX. DISAPPEARED WITH MY CREDITS.?? see attatched Transactions of fraud XX/XX/XXXX THE BALANCE {$470.00} LEFT AFTER MERCHANTS CREDITED. WAS WHAT I REPORTED CLEARLY ON CARD XXXX see attatched Transactions XX/XX/XXXX XX/XX/XXXX transactions ARE USSAs DISPUTES USAA REPORTED WHEN USAA DISMISSED MY FRAUD I REPORTED USAA TURNED INTO DISPUTES see Adjustment Purchases temp credits to begin investigation of these transactions XX/XX/XXXX. AND NEW PURCHASES XXXX OF THESE UNAUTHORIZED TRANSACTIONS* NOT IN MY FAVOR Adding additional {$470.00} see USAA response CFPB XX/XX/XXXX XXXX Mrs XXXX CONFIRMS USAA REVIEWED AND HELD ME LIABLE. Per USAA rep XXXX He sees credits need be made permanet BUT HE CAN DO NOTHING BECAUSE THIS WAS CLOSED CHARGED OFF AS DELINQUENT?? USAA Rep ID XXXX XXXX Collections Collects on ID THEFT?? AND INFORMS ME THIS ACCOUNT NEVER EXSISTED BUT I AM IN COLLECTIONS TO PAY CARD END XXXX???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Was applying for a car loan. XXXX XXXX  was one of the companies applied for. They denied me due to a credit report they had with Sage Stream. Never heard of them or used their services. Decision was mailed by XX/XX/2020. Score was extremely low. Feel that impacted XXXX 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I signed up for and was approved for an HSBC 'Premier ' checking account and the terms of this account stated that HSBC would provide a {$750.00} bonus. HSBC is refusing to pay the bonus even though I fulfilled all the terms per their terms and conditions.

The bonus terms required that I make at least {$5000.00} in direct deposits per month for 3 consecutive months beginning the 2nd month after account opening. I qualified for the bonus by fulfilling the following direct deposits sent from my employer : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} I then waited 8 weeks from XX/XX/XXXX which concluded end of XX/XX/XXXX. I have followed up with HSBC 8 times via secure message and 3 times via the phone and almost every time the representative says that they need to send the issue to a separate team to investigate. However, on the attached message from XX/XX/XXXX the representative agrees that I did qualify. I still have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/2018, I incurred a charge on my credit card for {$6.00}, which was initiated by 5th/3rd Bank ( not me ). I never received a formal letter or statement on this charge and was subsequently charged late fees of {$84.00} on this {$6.00} charge. During this same period, my 5th/3rd checking account had a balance of {$60000.00}. As soon as I became aware of the balance due of {$90.00}, I paid that amount immediately. The late pay of the {$6.00} and subsequent late fees charged in successive months show up as separate instances of late payments and these are the only derogatory item on my credit report. I have attempted to have these derogatory items removed from my credit report by contacting the credit reporting company and contacting 5th/3rd bank. the bank will not allow me to dispute these credit reporting items. 

I contend that I was not adequately notified of these charges, as I had the money to pay the original {$6.00} in my checking account ( balance of {$60000.00} ) and could have easily transferred the money to pay this credit card balance. Additionally, the late fees of {$20.00} per month and the reporting of these late fees as separate charges to the credit bureau is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
Golden Valley Lending sent me a letter dated XX/XX/2020. I received the letter from Golden Valley Lending on XX/XX/2020. The letter stated that there was an unresolved balance on the account. I called Golden Valley Lending on XX/XX/2020 @ XXXX. And spoke to XXXX a customer service representative at Golden Valley Lending to inform him that I had been the victim of fraud and that my identity had been compromised. He stated the the funds had gone into a XXXX  XXXX XXXX account but couldnt disclose the amount. 
He immediately asked me to send an email to the complaints department. On XX/XX/2020 I was contacted by Golden Valley Lending XXXX XXXX VP of Golden Valley Lending Complience via email at which it was disclosed that the loan was taken out for the amount of XXXX dollars. 
The email had an affidavit attached for me to fill out and notarize. Since my correspondence with Golden Valley Lending I have done the following : 1- Contacted my bank to confirm any fund transfers from Golden Valley Lending. There were none.

2- Contacted XXXX Police to file a report 3- Contacted XXXX XXXX XXXX to see if there was an account opened in my name. There was no account in my name opened.

4- Contacted credit bureaus

Company response to consumer: Closed with explanation