vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is against Transunion, XXXX, and XXXX  for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with Transunion, XXXX, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told Transunion to enter a charge off on your credit report, in fact they  never say charge off only paid in full. Transunion, XXXX, and XXXX  how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for Transunion, XXXX, and XXXX  to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal  action against Transunion, XXXX, and 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 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: GA

Complaint narrative:
The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2020 my vehicle was repossessed by a third party which violates my rights as a consumer and also is illegal because I never gave consent to XXXX XXXX XXXX to have my location information. Prior to this day I have sent numerous complaints to the company, Santander Consumer USA, my last correspondence includes an affidavit of truth that has not been rebutted line for line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency.

A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Received 2 phone calls on XX/XX/2020. The first call came in asking to speak with a family member in regards to a debt. I dont live with this family member so they are not supposed to call my cell phone to collect on a debt. I called them back and ask to remove my number from the dialed. Then a second call came in around XXXX  from a different from number and they heard my voice and hang up the call. 

NCB management services incorporated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: WA

Complaint narrative:
A fraudulent charge and subsequent collections account showed up on my credit report. I made several attempts to resolve this - disputing it with all three credit bureaus. I reported the fraud to the collection agency, I also reported it to the vendor ( XXXX XXXX XXXX ). Finally, XXXX XXXX XXXX cleared me from the account - proving that it was a fraudulent charge. The collection agency also cleared me of the charge. I've sent supporting evidence to Experian and requested that they remove the collection from my credit report, but they will not. The dispute results state that the collections account is now in good standing, but will not be removed from my credit report until XX/XX/2026.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: TN

Complaint narrative:
I had requested 6 months of average balances multiple times for HUD things. they kept sending 2 months despite MULTIPLE calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I went to AmeriSave for a mortgage refinance of my current mortgage. And long story short they overvalued ( AmeriSave mistake or purposedly done ) the price of my house to offer me what seemed to me really good numbers and low monthly payments. They pushed me to go ahead and submit the application and pay the {$500.00} application fee to move the process forward. They even manipulated the numbers to tell me that they would be giving me {$500.00} dollars back at the time of closing. At the time of doing the application the loan officer told me that this money could be refunded if I wanted.

The appraisal came back with a much lower home value and the loan  estimate completely changed and I have to put down over $ XXXX in order to keep the numbers the same. After trying to contact them for a few days about this and reaching no one, finally after a week or so the loan officer calls me back and tells me that my only two options are to bring the cash to close or just move away from this without getting my application fee back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a Victoria 's Secret here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX  models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from Victoria 's Secret Comenity notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and Victoria 's Secret is fully aware because birthday discount sent. When I contacted Victoria 's Secret customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at Victoria 's Secret. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide Victoria 's Secret information. Considering overwhelming fraud at every turn, I asked why no one at Victoria 's Secret had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because Victoria 's Secret never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On several occasions I've reached out to credit bureau, by letter and over the phone. A they have failed to honor my request, as they have not updated my address and name information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On or about XXXX XXXX my replacement Target credit card was stolen while being sent to me. They stole parts of my identity to change pin # and stole from Target and many banks. Target denied my claim XX/XX/2020. I sent an appeal letter along with the police report XX/XX/2020. I called Target today XX/XX/2020 to talk to a fraud supervisor and all I get is the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I entered into a temporary loan modification agreement with Carrington Mortgage. I received the final Loan Modification Agreement dated XX/XX/2020. They gave me until XX/XX/2020 to have the documents executed and returned to them. In the documents a balloon payments of {$40000.00} was indicated in agreement. However, the a balloon payment breakdown was not included. 

Two weeks to have the documents reviewed by legal aid was not adequate considering COVID-19 closures and face-to-face restrictions. My state of residence, XXXX XXXX, has been on a stay at home order since XX/XX/2020. Governor XXXX just recently moved the State to Phase 2.5. 

https : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a breakdown of the balloon payment but have yet to receive one. I spoke with a representative from Carrington Mortgage on XX/XX/2020, however, I was informed that my property was in fact in foreclosure, again, and I would have to reapply for a loan modification. I was not informed by Carrington that my loan would be put back in foreclosure when I reached out for the balloon payment breakdown. 

I have paid my mortgage payments are required during the temporary period but Carrington Mortgage is reporting my mortgage as paid as late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I have been attempting to get USAA to issue me a replacement check for the one they sent me that got destroyed. They refuse to provide this to me or correspond about my request

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I paid off my onemain account on XX/XX/2020. I recieved all documents ( title, contract, and verification letter that account is paid off ). I sent a Certified letter to XXXX  in XX/XX/2020 notifying that my account is still opened and request to close my account. They did an investigation. On today a customer representative from onemain credit department said they just verified the information back in XXXX. On XX/XX/2020, onemain reported missed payments on a closed account to XXXX. I sent 1 Certified letter with documentation showing proof of my account is closed to onemain. They didn't do anything. Per our conversation on XX/XX/2020, she said she received the second letter in May then she lied and said that they received the letter on yesterday. I told her that I can take them to court for posting missed payments on a closed account. I told her that I want the account removed and want my points back. She said that they go by the order that they received it. Please listen to the conversation because they recorded it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have spoken with multiple reps at experian about their reporting of inaccurate information that they have reporting on my credit report. They are beyond difficult working with. On XX/XX/2020 I spoke with a representative to dispute a few accounts and some addresses that they were reporting on my file that I never even heard of. They notified me that they were not able to remove the address because a creditor reported that address with an account that also didnt belong to me. I notified them of that account as well and it was disputed. Experian will not remove the address even though I have told them it was not mine. I even spoke with the company that reported it and they couldn't give me any information on one of the accounts. The second company had my actual address and didnt know anything about the address either. Yet experian refuses to remove this incorrect information from my credit report regardless if I'm telling them that I have never been associated with the information. I have already been told that my file was a crossed file with someone else and there is a note in my file that says so. I feel that my rights are being violated and from my knowledge that would be a violation under fcra 616 and 617.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
My wife and I recently discovered that sometime during the spring of 2020, our XXXX year old daughter opened up a CashApp account through Square , Inc. According to the terms and conditions, account holders are supposed to be XXXX years old. Obviously, they did no due diligence to independently verify her age. 


Square needs to due a better job verifying the ages of account holders. We have reason to believe that numerous of our daughter 's friends, also under XXXX, have Cash App accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage acquired our home loan recently so after the transition process we received an email about refinancing. We decided to take advantage and replied to the email and seemingly started the process. We then received a call from a XXXX XXXX claiming to be a loan officer with Freedom Mortgage. Thinking that the reason for his call was associated with the email we received and answered, we proceeded to give him our information ( Social security #, etc ). I also have an email, sent from XXXX XXXX claiming telling me that he is our Loan Advisor. He said he would get back to us later on in the day but that never happened. My wife and I both called multiple times and sent a few emails requesting an update only to finally find out ( the next day ) that because we answered the original email offer to refinance, XXXX was unable to help us anymore So basically, like a used car salesman, he found out we had already started the process with the bank and just blatantly ignored us after that. This is very unprofessional in my opinion. Keep in mind, we were unaware that his call was unrelated to the original email sent from Freedom Mortgage. 
From this point on, things go even more downhill and we realize how much of a disorganized, mess these people are to deal with. Multiple calls, multiple emails ( I lost track ), we still never had an actual loan advisor, the only person we have dealt with from this point is Mr. XXXX XXXX who thinks everything is going smoothly and that its okay for us to not have a direct person helping us with the process because hes certainly not. He also commented that my wife and I must not communicate properly even though we both work directly with each other, same company for the last 12 years. 
So, we finally have the closing date but of course, this does not go smoothly either. A representative from the closing company ( XXXX XXXX XXXX ) calls me to reschedule the time from XXXX to XXXX, same day. We agreed, waited, and received a call at about XXXX from XXXX XXXX stating that his GPS is telling him hes about 30 minutes away. This was unacceptable and I told him to reschedule. We rescheduled for Friday XX/XX/XXXX, XXXX and literally the closing company Texts me at XXXX to tell me its been canceled by the lender. 
After complaining again, we now have another individual dealing with this but its still going nowhere, we started this on XX/XX/2020 and it is now XX/XX/XXXX Id also like to reiterate that we did not reach out to Freedom Mortgage to refinance, the asked us. 

I've attached the original email from them with our " Loan Advisor '' that didn't follow through ...

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