vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
There are inquiries on my credit reports on XX/XX/XXXXand XX/XX/XXXXthat do not belong to me I have not approved nor inquired for these accounts. 

XXXX XXXX XX/XX/XXXX - Inquiry date : XX/XX/2021XX/XX/XXXXXXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX - Inquiry date : XX/XX/2021 XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-18 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 found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap

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 2021-02-18 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 found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: WA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 52 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 52 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AR

Complaint narrative:
I have disputed some erroneous accounts with XXXX, XXXX, and TransUnion but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX  XXXX TransUnion 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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I applied for a mortgage with AmeriSave Mortgage on XX/XX/XXXX. During a discussion on XX/XX/XXXX with the Loan Originator, XXXX XXXX, I was told that AmeriSave needed a deposit of {$500.00}. as a processing fee. I questioned the deposit and was informed that it would be credited at closing and that I have been pre-approved. With that information, I paid the deposit. During the following weeks, I submitted all the required documents as requested. After receiving an approval in writing on AmeriSave.com, on XX/XX/XXXX I discussed the closing date with XXXX XXXX. He informed me that the rate of 2 % is locked and the Discount ( fees ) are {$7400.00}. I questioned the fees as he had previously informed me that the fees for a 2 % mortgage would be {$6600.00} less a lender credit of {$1700.00} for a total of {$4900.00}. He said that sometimes fees change, however, he would request an exemption from his manager. I was told that the exemption would be approved with our credit rating and would have an answer in 24-48 hours. Having received no information on the exemption, the following week, I made several phone calls and sent an email on XX/XX/XXXX which were never returned. I continue to receive occasional robo emails from AmeriSave that I have responded to with no response from the company. 
This appears to be a scam. I am requesting return of the {$500.00} processing fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: I.C. System, Inc.
State: MI

Complaint narrative:
IC SYSTEM is FRAUDULENTLY and ILLIGALLY attempting to collect monies for which there IS NO SIGNED CONTRACT nor ANY EVIDENCE that they're entitled to. 
IC SYSTEM has DAMAGED my credit report with their BOGUS and FRAUDULENT COLLECTION. 
I want this IC SYSTEM fraudulent collection REMOVED from my account immediately and NEVER re-appear again. 
Should IC SYSTEM fail to remove their FRAUDULENT collection off my credit report, I will have no choice but to file a lawsuit against IC SYSTEM in the State of Michigan. 


Sincerely, 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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have 3 credit cards with Chase as the credit cards holding bank. I am slo now applying to refinance my home with Chase. As I am sure you are aware when you apply for credit cards, it is unknown the holding bank. I found this out naturally after the fact. So with the 3 credit cards & now applying for a refinance, I am paying of course interest on ( 4 ) of Chase 's products. I have called in the past to assess if my interest rates can be lowered, to no avail. I have a very good credit rating, yet I feel & think this practice is unfair to collect interest now on ( 4 ) products! Chase should work with me to help lower my interest rates on all products/ services! They have not regardless of my inquiries. 
Being a senior on a fixed income, the lowering of my interest rates would be benefical for me financially. Chase is " ripping me off '' with such high interest rates on each card & now additional interest rate for my refinance. It is not very consumer friendly to take advantage of people. IF you can assist with this issue, thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We received a call from a debt collection company, XXXX XXXX XXXX, which stated that I owed an overdraft balance from TD bank. I wanted to receive documentation that validated my debt and the representative refused to answer my questions and would constantly over talk me. She stated that I did not need to have her name and was questioning why I had not paid my debt and that it would be reported to the credit reporting agency. She told me that the call was being recorded and I stressed that I would not validate any information until I received a validation of debt letter, which she refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and my complaint is about Us Bank XXXX XXXX. I have been sending them my info for account card id XXXX. I sent them my Id, Ssc, Signed statement and a W2 and its been over 5 weeks and my account is still locked with my unemployment within in it .I am going through enough hard times as it is for this to be happening .I called several times and faxed and I do not get any clear answers at all from them on why my account is locked and why I can't have my funds that were deposited at all. Is there anything you can do to resolve this issue. my number is XXXX my email is 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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
{$550.00} for XXXX has been placed on my credit incorrectly.. I do not owe this amount and I did not receive any communication about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted documentation to Navy Federal to open a trust account. I am a brand new customer. 

On XX/XX/XXXX, I received a letter from Navy Federal that an additional signature was needed to a form to open the account. The letter referenced an enclosed trust form. There was no enclosed trust form. I called Navy Federal within the posted hours at the bottom of the letter to explain that there was no enclosure but was told I would need to call back the next day because the trust department in fact had shorter hours than those posted in the letter. 

During this call, I got a voicemail from another Navy Federal member in Washington state that he received my trust documents. He was upset at the disclosure of my personal information to him, which included my banking account number, XXXX, driver license number, date of birth, telephone number, and some details of my trust. He felt bad for me and wanted to let me know what had happened. 

I shared this with Navy Federal in writing and requested a call back from their legal department, asking for an explanation, so I could get a sense of whether the data breach was more wide than the sending of my confidential paperwork to a stranger in Washington state. 

I did not get such a call from legal. Rather, XXXX days later, and after I spoke to a customer intake person at the bank 's call center and also went to a branch in person in XXXX the prior day to emphasize my concern on their sloppiness with key private information, I got a call from a customer service person offering little explanation of the mix up, an offer for reimbursement of a limited duration of credit monitoring, which I would have to take the time to secure on my own and then chase them for reimbursement. I requested credit protection for a considerably longer period, preferably a lifetime protection or protection while I am a customer of Navy Federal ( they first offered 12 months, then 18 months, then a maximum of two years ). 

I need a much more clear explanation of what happened, the chain of custody of my documents, and, frankly, an apology for the lack of care of my personal information. It also would be helpful to know how common this pattern of improper data disclosures is at Navy Federal. It is simply unfair for Navy Federal 's own members to have to ferret out its problems to protect other individual members. 

I also would like to be furnished with credit protections and ID theft insurance that extend past the typical two year period that ID thieves let run before engaging in ID theft.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XXXX XX/XX/XXXX, a XXXX XXXX XXXX with XXXX miles was purchased for {$16000.00} and financed at 22.99 % XXXX 23 % ) with a finance charge {$12000.00} for an extremely high final TOTAL purchase PRICE of {$28000.00}. The car was purchased from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) Main tel # XXXX or ( XXXX ) XXXX. The extremely high car cost of {$28000.00} was FINANCED via Credit Acceptance. 

As of XXXX, {$16000.00} is still owed on the vehicle ( original car note {$28000.00} at 23 % interest rate ). 

A one-time, full payment, settlement offer of {$9500.00} to pay-off and satisfy the debt was made to Credit Acceptance via certified mail return receipt. As per law, Credit Acceptance is supposed to respond within 30 days to the written inquiry. 

However, Credit Acceptance has not responded to any of my prior written letters to settle the {$16000.00} owed on the over-priced XXXX XXXX XXXX. 

Essentially, the cost of the car {$16000.00} is almost the finance cost {$12000.00}. This is an egregious and unscrupulous/corrupt practice. 

XXXX XXXX XXXX Current Balance : {$16000.00} Original Loan Balance : {$28.00}, XXXX Interest Rate : 22.99 % Std. Monthly Payment : {$430.00} Contract Start Date : XX/XX/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 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I mailed off letter to XXXX, Transunion, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX and XXXX  about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to XXXX XXXX on XX/XX/XXXX for the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: MO

Complaint narrative:
On XX/XX/XXXX I mailed off letter to Equifax, XXXX, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX  and Equifax about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to Comply Letter on XX/XX/XXXX for the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I closed a home on XXXX XXXX in XXXX, California, as the selling party. Quicken was the loan servicer. 

To date Quicken has not sent me the {$810.00} settlement check for the overpayment that I made at the time the loan was closed. I have attempted to contact them and just get sent from department to department. I have spent more than {$810.00} of my time trying to recover the funds that they are now illegally holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
ON XX/XX/2021 I was on a recorded line and I was told if I paid the full amount I would receive a deletion letter, I asked more than 5 times on a recorded line and it was never sent. I called back almost every other day to get this, I was hung up on and told they could not give me the recordings. 

Convergent Outsourcing # XXXX was showing on the report here is the information I have on the account Account # XXXX Phone number I called to handle this was 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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
{$580.00} for XXXX  is not my debt, I have received no communication for any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: ERC
State: OH

Complaint narrative:
I have contacted them about the fraudulently opened account and they havent responded this is and injustice that these companies can put anything on your report thats not valid and I want this remove immediately this is disrespectful and tasteless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
To whom it may concern, i am writing to you because it is a nightmare dealing with Specialized Loan Servicing since almost 1 year ago. when the pandemic started my income was reduced so much that i had no choice to missed a few mortgage payments.

At first told me that i did qualify for a loan modification and because my income was reduced i had to submit my proof of income and an application.

Now after 10 months under review Specialized Loan Servicing told me that my loan doesnt qualify because the terms of my loan were extended to 636 months.

Which is False, my loan was not extended at 636 months as Specialized Loan Servicing confirmed that was the reason of denial.

Now Specialized Loan Servicing changed the story telling me that because my current interest rate is at 6.375 % Specialized Loan Servicing couldn't offer a better interest rate and that was the reason i didn't get a loan modification.

At this point im very frustrated with Specialized Loan Servicing since every time that i call they keep changing their story. 

Please help since i am very scared that after almost 1 year Specialized Loan Servicing did this on purpose to take my home away. 

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 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed our checking and savings account saying they are suspending my husband 's unemployment funds, when he provided documents proving he is receiving these funds and they are legitimate. They are suspending the funds. We have went to the branch proving this and still no resolution. I have been a customer of chase for over 10 years, without so much as an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: OneMain Finance Corporation
State: TX

Complaint narrative:
There was a hard inquiry in XX/XX/2021 by One main Financial. It is due to my identity being stolen. I have called this institution, but can't get anyone to talk to. I am currently filing a police report as well.

Company response to consumer: Closed with explanation