vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Experian and XXXX, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXXXXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, 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 2021-08-04 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I got a payday loan from Cash Max in XXXX, TX and I am a few days late on my payment. The lady XXXX, working theres has called my job, my, friends, and my cell phone over 30 times in the last week alone. The loan is only 5 days past due. I have asked her to stop calling me repeatedly, and she is still calling multiple times a day. Shes calling on different telephone numbers, and even from no caller ID. This is harassment and it is getting out of hand. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NC

Complaint narrative:
I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/30, I received an email from PennyMac about lowering my interest rate on my mortgage currently with them. I spoke with a loan officer XXXX XXXX and asked him about fees. He said because I was a current customer that it wouldn't cost me anything. I specifically asked about what it would cost multiple times and he said I would pay nothing. I asked if the fees were rolled into the principal and he say no. He said they take it from escrow but then add it back to escrow on the back end. 

Because he explained there was no cost, I applied and he pulled my credit report but then later said there was {$6500.00} in fees. 

I have left multiple messages a day for XXXX XXXX, his supervisor XXXX XXXX and another manager XXXX. No one has returned my calls. 

I would like the credit inquiry reversed since they obtained it under false pretentions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, Ally locked a rate for an equity loan ( {$370000.00} ) to fund purchase of an undeveloped piece of land for which we had by then entered into a contract to buy. Ally and we processed the equity loan without problem, the loan was approved, and a closing disclosure was issued XX/XX/XXXX. After this, and after rates started to rise, Ally began asking for tax information related to the undeveloped piece of land, for which we explained repeatedly we ( or any other member of the public ) do not have access, but which we attempted to have third parties obtain ( unsuccessfully ). Ally then suggested we lie and say no contract was in place ( despite us telling Ally in writing and verbally that the contract had been in place since the beginning. At this point, Ally refuses to stop insisting on unavailable and unrelated information. I'll attach documents and email chains explaining our frustration that extraneous documents and outrageous demands to lie as an excuse to not close. Ally appears to be creating excuses not to honor its rate lock.

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 2021-08-04 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Credit Card and XXXX XXXX  Credit Card As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

I previously requested this validation and you sent me a copy of my credit report saying you had verified the information. You know very well that no court of law would accept this behavior. You have violated my rights as a consumer and I'm ready to make you pay for your mistake. 

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my drivers license, W-2, a mortgage statement. I If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am a former Simple Bank customer, which transferred all customers to BBVA USA mobile banking in the summer of 2020. I called BBVA USA on XX/XX/XXXX to reverse overdraft fees for an erroneous credit card transaction. They did so and confirmed that overdraft protection was on my account. 

The next day, BBVA USA assessed two return check fees for automatic transfers of {$250.00} a piece citing " insufficient funds. '' The problem, however, was existing funds of at least {$400.00} were in my account the night of XX/XX/XXXX. In addition, overdraft protection was turned on that day to restore my account to the standard that Simple Bank once had. The customer service representative I spoke to confirmed that overdraft protection was on on his end, but that I would need to step into a physical branch to confirm the actual amount of overdraft protection. 

Despite this confirmation, for some reason, BBVA USA denied both automatic transfers rather than just on XX/XX/XXXX. 

More than sufficient funds entered the account the morning of XX/XX/XXXX to have satisfied any overdraft demand of around {$100.00}. 

Overdraft protection has been automatically on for Simple, but, somehow it was turned off when my account was transferred fully to BBVA USA mobile ( without my consent and as part of an automatic merger between the Simple Bank on-line platform and BBVA USA proper ). Overdraft protections were on XX/XX/XXXX after my first complaint, but this protection was not in operation when two new fees hit my account on XX/XX/XXXX. 

BBVA customer service tried to negotiate me into accepting one of the fees, claiming that an insufficient balance of {$60.00} existed, whereas a balance of at least {$400.00} actually existed for two separate automatic transfers of {$250.00} a piece.

All consumers should be aware that BBVA USA plans to transfer these accounts to PNC. They do not have a consistent policy regarding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a UnionPay Platinum card from ICBC which I got so that I could use it when I travel to XXXX. I havent been able to do all the trips I had planned due to covid. I still pay for the annual fee even though I dont use it much, since I want to keep it for when the pandemic is over. In XXXX my statement closed and the annual fee posted, with a due date of XX/XX/XXXX. I have electronic statements but completely missed it. I received a text message that I was late in XX/XX/XXXX I believe, and I immediately logged in and sent payments to cover the annual fee plus a late fee. Thats ok since it was my own fault. 

My issue is that Ive been trying to confirm with the bank that no negative information will be reported to any credit bureaus since the late payment was less than 30 days, and so far nobody understands my question. If somebody can look into it and actually understand my concern that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX  XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Utilities and Fuel XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, My Bank of America credit card was charged {$1000.00} purchase from XXXX  ( came in two transactions {$600.00} and {$400.00} ) which i did not make. I was at work for the whole day and the purchase was made mid-day. The card could have been stolen. I contacted Bank of America immediately so they issued me a new card and open a fraud claim. However, on XX/XX/XXXX, they told me the claim is closed and they won't refund me. There is no way me or anyone I know could have made that purchase so I want it to be refunded.

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 2021-08-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I made my first payment on the XXXX of XX/XX/2021. I requested a due date change on the XXXX of the month to change my due dates to the last day of each month. I received confirmation that the due date was changed and my next payment would be due on the XXXX of XX/XX/2021 and that my term would be extended due to the increased days in between payments. To my surprise I found that additional payment had been drafted out of my account for the amount of {$140.00} on the XXXX of XX/XX/2021. This was not an authorized payment by me and is a violation of regulation E banking law. I requested a refund and the company has refused. I asked for my due date to be changed back so my payment would applied for XXXX. They refused and now state i must still make a payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On 2012 my XXXX email was hacked and i have not used my XXXX email in over ten years. I was notified by a Navient representative that i requested several deferments and forbearances through my email, when in fact i did not. I think it is very harmful to request forbearances or deferment without disclosing the nature of how it works We would love that Navient to contact XXXX  and XXXX  to contact and let them know that the account is old and it went into default XX/XX/2012. The email " XXXX '' has been hacked since XXXX. So XXXX XXXX Never requested DEFERMENT OR FORBEARANCE through email. So when XXXX  and XXXX  contact Navient they have to let them know that the account is old ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was never 90 days late in this account but the Credit Bureaus were reporting it as late. I have sent my concern to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. However, up to this date, I have not received any feedback from them. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: SC

Complaint narrative:
I paid {$33000.00} down payment for a mortgage on a townhome in XXXX to NVR mortgage. My fiance purchased a unit two doors down. Last week after closing. I was told that me and my fiance were living in the same building and they wanted to make sure I wasn't going to rent out my townhome and delayed my closing. They assumed I was going to this even though we told them that this was going to be my primary residence. NVR mortgage wanted me to sign a motivation document that said I was not going to rent out the property because of this. I asked where other people told to sign this paper or was my fiance told to sign this paper. The answer was no. I did not sign the paper because it wasn't a required document. I have not been approved or denied my mortgage for the townhome that I tried to get as of today. My home today on XX/XX/XXXX was listed on XXXX as up for sale. I have still not been approved or denied from the lender. If I was denied I should have the right to go find other lenders as NVR was the preferred lender. I assume the lender told XXXX XXXX that I was not going to get the property and they could put it up for sale on XXXX. I feel like I have been discriminated against due to my marital status and black balled from getting the property due to the connection NVR and XXXX XXXX have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 have attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.

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 2021-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.

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 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have had to complete a split sign to finish up the COVID mortgage relief program and have had the wrong documents sent to me several times over the last 6 months of dealing with this.

They have called me repeatedly, IXXXXhave explained that one person is frequently out of the country for XXXX  work an they have said that it isn't a problem. On another call, they say that it is, that a mobile notary can fix it. The mobile notary never calls me to comfirm. I am just trying to sign so I can continue my loan as usual and Wellsfargo keeps changing how the split sign is to be handled.

The Wells Fargo notary at the bank also failed to disclose this issue and was also in agreement that 2 of the 3 borrowers would suffice ( those 2 are a married couple )

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