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: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have filed complaints with XXXX  and other credit reporting agencies regarding two OLD accounts with USAA Savings Bank regarding ongoing delinquent reporting that brings my credit score down every month. USAA Savings Bank continues to report late payments on these two accounts that were closed in XXXX - five years ago. The joint accounts with my ex husband were charged up by him during our divorce in XXXX, then he filed Chapter XXXX bankruptcy, discharged on XX/XX/XXXX. USAA Savings Bank then discharged the debt, but continues to report late payments on my account each and every month. There is NO balance, there are NO payments due ...

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020, based on statements made by CA Gov. XXXX XXXX, I contacted US Bank regarding my mortgage. I was told that I would be given a 3 month forbearance and that during that time I would not accrue fees or penalties and I would not be reported to the credit reporting agencies. On XX/XX/2020, I received a letter from US Bank that contradicts what I was told on the phone and what is stated on the XXXX XXXX website. I called US Bank and was told that this is not their problem, they are going by what XXXX XXXX has told them and I should call XXXX XXXX. I did. XXXX XXXX said they did not know why US Bank was not complying. 

Quite frankly this smells bad. The letter says that if I don't contact them to opt-out I will automatically be enrolled in the forbearance program. How many people are actually going to read the whole letter and discover the " fine print ''? Is US Bank trying to set up its customers for a foreclosure?

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
equifax is not reporting my acct status to my XXXX? i need this info to see what is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Last week I spoke with a representative from Toyota Financial about the struggles we faced with Covid 19. We were told that our XXXX and XXXX payments would be waived and our lease would be extended by two months with zero fees due to the pandemic. When I called on Monday to ask why the changes were not being reflected in our online account and it showed that I would be billed on XX/XX/XXXX, they said it was being processed immediately. 

I called this morning to check on the status of our request and inform them that I would be reporting this to the federal government if they did not process the request as they had promised. They said that the request for my deferral had not been received until this morning and it would " take time '' to process. They are scheduled to bill my account tomorrow morning, the payment has not been shut off. This should be illegal as I was told four times by four different representatives from the financial institution that this would not happen.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern purchased a XXXX XXXX XXXX the vehicle at hand had XXXX  mils  on the dashboard the fianc company was XXXX XXXX located in XXXX Michigan this company accepted our loan for 36 months the price ov the vehicle was {$9600.00} the amount ov {$5000.00} dollars was put down as the bank said it was a fee to fianc the companys policy was agreed to fianc this vehicle it has now been paid in full lien was lifted as XXXX XXXX this company has marked this as a repo when the vehicle was picked up by the bank the vechile was 3months or  less toward in the term me and the co-signer has contacted this company about the credit reporting follows this companys accounting department has Extened this inaccurate info to the 3 major credit Beuarus as a repossion we have tried to contact this fianc company about this the company also the credit breaus will not remove this issue off the 3 Major Credit Beaures we would like this sent over to transunion also to be removed for not acknowledging the time line that this repo is being reported almost 11 yrs I will present a copy ov the letter stating that the installment contract lien was lifted and paid in full this is causing more problems because Im getting denied credit dee to this error I would like for it to be removed because the date info is way past the fair credit act that is  being extended from XX/XX/XXXX till XX/XX/XXXX we no longer have the installmentoan Im have not received any info from the credit Beuarus that this has been removed and also the the other party that is apart ov this issue I want this removed immediately

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 — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have attempted to contact Chase bank multiple times to close my checking account. Wait times are hours on the phone and I can not go into a branch due to COVID 19. They have NO OPTIONS for connecting with them in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: CA

Complaint narrative:
Nations lending called multiple times to try and refinance my house when I was working with another lender in XXXX. I told them multiple times not to call again. Finally they stopped after I told them if they ever called again I would file a complaint. Today ( after starting refinance with a different lender because it did not work out last time ), they called again on XX/XX/XXXX at 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 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXXXXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom It may concern, On XX/XX/20 I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.

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 — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I have a mortgage with Carrington Mortgage Services , LLC . I submitted a written request to have the MIP removed in XX/XX/XXXX. I was informed that I did not meet the UPB requirement and that the MIP would drop off when UPB was {$120000.00}. I continued to be charged MIP beyond that UPB, and subsequently paid MIP, for 6 more months. Each month when I spoke to a Carrington rep about it, I was told, " It is scheduled to be removed next month ''. I finally submitted a XX/XX/XXXXcomplaint in XX/XX/XXXX at which point I received the attached letter ( from XXXX XXXX, Customer Advocate Dept )  stating that I would be refunded {$210.00} for 4 of the months. Again, I paid MIP for 6 additional months totaling {$320.00}. I was also told that the refund should be expected within 90 days.

After leaving 3 messages for XXXX XXXX between mid XXXX and late XXXX, without a response, I finally got a call from her on XX/XX/XXXX. She stated that the MIP had already been refunded and the check cashed. She provided me with a copy of the canceled check which was for {$100.00} ( issued on XX/XX/XXXX ). 

It did not seem right to me at the time and it was not until I was able to further investigate that I was able to find an escrow analysis statement, also dated XX/XX/XXXX, that showed a surplus and refund of {$100.00}. This document is attached to this complaint as well. 

I have yet to receive the MIP refund of {$210.00} ( should be {$320.00} by my calculations ) which I was told I should receive by mid XX/XX/XXXX. Furthermore, if I did not have a slight idea as to how all of this works, I would have chalked it up to XXXX XXXX providing me with correct and accurate info and would have walked away ( as most people would ) losing {$320.00}. The number of time I have been provided with inaccurate/incorrect information is appalling and borderline criminal. I'm sure a lot of their customers are in a similar position and are being taken advantage of.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$4500.00} DPT ED/XXXX  XXXX {$4500.00} DPT ED/XXXX  XXXX  {$6000.00} DPT ED/XXXX  XXXX {$2500.00} DPT ED/XXXX XXXX  {$4200.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX  {$12000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$3500.00} XXXX   XXXX  XXXX {$420.00} DPT ED/XXXX  XXXX  {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shell point mortgage servicing was given our account from XXXX We have a problem with our escrow account Shell point has increased our monthly payment by {$120.00}. They told us they had to do this because our insurance and taxes have increased, but we called our insurance office and we were told our insurance actually went down by {$2.00} and looking over the taxes for XXXX the taxes were {$2800.00}. ( If paid late ) The taxes for the year XXXX, were {$2800.00} ( if paid late ) Shellpoint is  demanding a {$850.00} cushion plus and extra {$640.00}. even though our taxes are nearly the same and our insurance has gone down. They want {$640.00}. more and a cushion over the 12 months. When we call and ask questions, they become rude, will not go over the numbers with us and then just hang up. Over and over.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX XX/XX/2019 I took advantage of a Regions Bank credit card offer of 0 % for 12 months on another card balance transfer. I have been charged interest for the amount of the transfer for all but one statement since then.

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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orions Management Group, LLC
State: WV

Complaint narrative:
The Orion Group first called me the summer of XXXX. I do not recognize the debt, and asked for validation of the debt in writing. I havent received anything. They continued to call and I again, asked for anything written with my signature of authorization of any kind. I then asked for all communication to be in writing and not to call me again. They have not complied. They called several times after and when I spoke to the supervisor I told them only written communication because I could tell at this point its a possible scam. They called my work number and then today ( XX/XX/XXXX ), they called again. I AGAIN asked for validation of the debt ( still have never received anything ), and was told to SHUT UP. I was going to be on house arrest. Im getting sued, etc. XXXX XXXX continued so speak over me, telling me Im just refusing the debt, etc. He also said Im being sued as soon as this pandemic stuff is over with. 

I am not refusing any debt, I do not recognize it. I kept telling him he was not to call me, I have said that repeatedly, and they are not complying. I looked up their number and everyones name is XXXX XXXX and they use threatening and abusive language. They are blatantly breaking federal laws and this should not be tolerated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC

Complaint narrative:
According to my XXXX  and XXXX  Report the creditor is saying I owe {$14000.00} for an account they are saying was opened on XX/XX/2019 from XXXX  ( according to their notes ). However,  the creditor is unable to verify the debt or provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I looked at my checking account today and I noticed that there was a electronic bill pay check written under my name to an unnamed source. The check was under my name and address.This check was dated on XX/XX/2020 and posted XX/XX/2020 I called my bank provider ( ally bank ) and after an hour or so conversation was able to open up a dispute on the charge. They also closed my old checking account and transferred the remaining funds to a new one for me.

They said the would get back to me within 10 business days and to call the company ( XXXX ) that the fraudulent check was written to. I dont have an account with them and havent heard of them until today. 

I spoke with a support rep and he said would escalate my issue to a higher up and took some information from me regarding my old bank account number the payment was made from and said they would get back to me tomorrow. 

Neither of these conversations left me feeling 100 % confident I would see my money returned and Im stressing out with the end of the month coming up as I can no longer afford rent due to this. 

Additionally, I've attached an image of the fraudulent check that was electronically filed under my name.

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