vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Cap/Cabelas XXXX : I was not late making this payment. I paid online and when it came time to view the confirmation screen, the online portal kept kicking me out. I then called the company to ensure that my payment did in fact go through. The lates that you are reporting to the credit bureaus are inaccurate and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: LA

Complaint narrative:
consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.

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 2020-05-21 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: LA

Complaint narrative:
consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My previously serviced, XXXX, XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my Great Lakes dept of Education student loan balance on XX/XX/2009. 

I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated. 

XXXX was bought and sold multiple times, to XXXX, and the last was XXXX sold from one financial institution to another, that information has cluttered my credit report. because it was purchased many times over. 

However, it is duplicate information meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 

During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX and XXXX   mishandled the reporting of the consolidated loan, to a separate loan and line item. 

This is producing duplicate information meaning the same loan that is consolidated is showing as a separate loan, which is unacceptable, it needs to be removed because it is already included in the Great Lakes dept of education balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I called the company to explain to them this isnt my debt. Explained that my XXXX ex had taken my info and was doing things I was unaware of. Even tried to settle with them because I want this painful time to put in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
I've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.

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 2020-05-21 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: CA

Complaint narrative:
I've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.

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 2020-05-21 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: NJ

Complaint narrative:
In XX/XX/XXXX, I disputed my account because the collection agency re-aged my account. The result was " Information on this item has been updated '' and their supposed update was delete all my payment history since the account was opened in XX/XX/XXXXuntil the account closed in XX/XX/XXXX and then added new payments history from XX/XX/XXXXuntil XX/XX/XXXXwhen the account was already closed. and re-aged the account two years more. After the result, I requested a re-investigation In XX/XX/XXXX and the result again was " Information on this item has been updated ''. Comparing results of before and after of the XX/XX/XXXXdispute there is no not change at all.

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 2020-05-21 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: NV

Complaint narrative:
Experian did not answer DIRECTLY TO THE COMPLAINT file Number XXXX. Experian bounced around the DIRECT problem. The complaint was not if I was the individual filing the complaint. The complaint was that the US Bankruptcy that is reporting on my credit report is not of mine and that Experian DID NOT " VERIFY " ANYTHING WITH THE US BANKRUPTCY WHICH IS THE FURNISHER AND XXXX XXXX IS NOT THE FURNISHER. XXXX XXXX FILE IS FROZEN DUE TO IDENTITY THEFT! THE FRAUD DEPARTMENT AT EXPERIAN WAS RUDE AND ALL I KEEP GETTING IS ITS BEEN VERIFIED. I RECEIVED A CREDIT REPORT STATING XXXX XXXX VERIFIED THE BANKRUPTCY. I HAVE DOCUMENTATION THAT XXXX XXXX  DID NOT VERIFY THE BANKRUPTCY THERE IS IDENTITY THEFT ON MY FILE WITH XXXX XXXX. Experian are LIARS! I have seeked legal representation for this situation and i will be suing for pain and suffering and a host of other things! THIS IS UTTERLY RIDICULOUS! IT IS A WASTE OF TIME TO FILE A COMPLAINT WITH CFPB!

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 2020-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This complaint relates to your Case # XXXX. I am a parent co-signer paying the loans that were put In collection due to my Chapter XXXX in 2013 even though my son was paying the loans current at the time. Payments were made to XXXX, XXXX and XXXX for XXXX XXXX XXXX since 2013, but I have never received statements, prior payment history, how the payments were applied nor have I received a XXXX tax statement. I have never seen the original documentation from them. They had added the accounts to my credit report as well as my son 's. XXXX, XXXX, XXXX and XXXX removed the accounts from the credit reports early this year and I have stopped making payments as my son wants to try to settle and/or refinance, but we need the accurate history of the loans. The above referenced case number required that, but I never received notification of this case or it's results. The loans have been transferred to a different collection company who is calling both of us. There documents are included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have filed a number of complaints and documents with the Regional VA Home Loan Office in St Paul Minn regarding the unscrupulous manner which my prior lender made a claim on my Eligibility. 
I have sent documentation to this office regarding a XXXX XXXX in 2019 for a house that I had on the market and was making on time payments with the prior lender. 
This lender, XXXX, filed for bankruptcy and I was notified by Nation Star bank and its sub, Mr Cooper, that I should stop payments and they would purchase the house with a XXXX and issue a contract that all present and future claims will be satisfied. 
This they did and took title to the property in XXXX, XXXX however, they still filed a claim on my eligibility. 
I informed the Regional office and sent them copies of all the documents and they had their legal department review them. They came back and informed me that their legal department could not do anything even though they concurred that Mr Cooper misrepresented themselves and broke the contract. 

I am a XXXX XXXX XXXX XXXX, XXXX veteran entitled to the XXXX XXXX XXXX XXXX but I can not obtain a mortgage because I need a Down Payment with a non-VA loan. 

This is unfair and unjust. I can not find an accessible home and purchase it due to the VA not willing to re-instate my eligibility. 

I am certain that I am not the only veteran in this situation, and our Government must rectify this illogical policy. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a completed full appraisal less than 120 days old that was ordered by another lender that I asked to be transferred to my new loan application. In the initial consult with the new lender I was told the appraisal i had could be used. A week or so later an appraiser contacted me to schedule an appointment. I advised him I was using an appraisal that hadn't expired yet, and he said Quicken told him i couldn't use that appraisal. However, no one from Quicken had advised me of this. After several attempts I finally reached my loan officer on XX/XX/XXXX who told me he wasn't sure why my current appraisal couldn't be transferred from XXXX and connected me with another representative that then said it could be transferred and would contact loanDepot to make the request. 

I have yet to hear back from the rep that said they were requesting the transfer or my loan officer, and the appraiser continues to contact me to schedule an appointment, stating that Quicken told him on the XXXX that I still could not transfer my appraisal. 

With no return calls or email I reached out to Quicken today, XX/XX/2020, via their chat service and had that rep tell me that my appraisal could not be transferred because they only transfer VA or FHA loans. I asked why that is because I am not aware of any Fannie Mae or XXXX XXXX guidelines restricting appraisal transfers for conventional loans whether they're cash out or not, so accepting a transferred appraisal would not make my loan unsellable, which is commonly why lenders issue certain guidelines. The representative provided no reasoning or knowledge of the basis of the company guideline, nor would provide Office of the President contact information for me to investigate at a higher level. 

I am now having to pay the extra expense for a brand new appraisal after I already paid for one that has not yet expired through a different lender. This " guideline '' of Quicken 's makes no sense from a customer service prospective, especially if they theoretically aren't benefitting from the appraisal order itself. Supposedly it's something commissioned completely non-biasedly and not of any cost to the company because the customer pays for it. Why force a customer to pay for something that's already been done validly ahead of time unless they're getting some sort of unknown benefit themselves?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank - XX/XX/XXXX - XX/XX/XXXX POSTING DATE XX/XX/XXXX DESCRIPTION OVERDRAFTPD AMOUNT Subtotal : XXXX XXXX Overdraft fee collected for two transactions that were made with plenty of funds to cover it. 

This is shown from my deposits and daily balances during this period. 
Electronic Deposits : 1 ) XX/XX/XXXX = {$50.00} 2 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credit XXXX 3 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credi XXXX Total {$1000.00} deposited Electronic Payments : XXXXDEBITCARDPURCHASE, ***. - {$75.00} XXXXDEBITCARDPURCHASE, ***** - {$72.00} XXXXPHONETRANSFER, ToCHECKINGXXXX - {$35000.00} XXXXNONTDATMDEBIT,  ****- {$200.00} XXXXNONTDATMFEE. *** - {$3.00} XXXXDEBITCARDPURCHASE, - {$35.00} XXXX, XXXX XXXX XXXXDEBITCARDPURCHASE, - {$37.00} XXXXDEBITPOS, - {$100.00} XXXXDEBITCARDPURCHASE, - {$14.00} 02/25DEBITCARDPURCHASE, - {$22.00} XXXXDEBITCARDPURCHASE, - {$22.00} Total : {$940.00} Purchased = {$110.00} still in account The daily account balance showed no negative activity during those dates : DAILY BALANCESUMMARY DATE XX/XX/XXXX {$180.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$210.00} Balance XX/XX/XXXX = {$210.00} Overdraft fee XX/XX/XXXX of - {$70.00} The fee was charged for transactions made after a {$500.00} deposit. 
There are more unscrupulous overdraft fees that I was charged for transactions I made after insuring the account had enough funds and that any recent deposits had already appeared on my account. 

I couldnt have used my card without proper funds. They calculated the debits of the day not in the order received, but always to an advantage of causing a fee, which would show up as a surprise days later. 

I was charged {$1000.00} in overdraft fees for XX/XX/XXXX, account opened in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX was charged over {$170.00} in overdraft fees for 2-3 months. 

Help recovering this huge discrepancy is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I authorized a purchase of an e-learning course by XXXX. The company did not uphold its terms and agreements after my purchase. I was not delivered the material I purchased. Naturally, I canceled my course ; and disputed my purchase with Wells Fargo. Wells Fargo credited my account {$590.00} for my purchase on XX/XX/2020. Two months later, on XX/XX/2020, Wells Fargo denied my claim and took back their credit without notification. Upon filing my claim, Wells Fargo would not accept documentation proving fraud. They also wouldn't reopen my claim ( despite proof ). This is negligent. 

I have no way of contacting the merchant, as they've stopped responding to emails. As {$590.00} may be a small amount to some, the fraudulent activity has had a negative impact on my life. I'm coping with this fallout while experiencing an impact from XXXX. My account is severely overdrawn and is being penalized for being overdrawn. 

Wells Fargo should not have credited my account with {$590.00} if the claim wasn't won. This is irresponsible to say the least. Let alone, they didn't update me on my claim as the process continued. Wells Fargo made it appear as if my claim was won back in XXXX. I had no idea the claim was still open.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested in paril via certified mail to have fraud alert and personal consumer statemnts removed from equifax. 

XX/XX/2020 I received document stating that there is no fraud alert. ( ill attach document ) I pull my monthly report and its till there!!! XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: LA

Complaint narrative:
XXXX XXXX XXXX changed 22 items on my Experian credit report between XX/XX/XXXX and XX/XX/XXXX. I called to discuss this with Experian but they claim there have been no changes to my report since the beginning of XXXX. I am attaching 2 Experian reports of my XXXX XXXX tradeline account # XXXX, there are clear changes with dates and number of late payments and even a comment under " Reinvestigation information : This item was updated from our processing of your dispute in XX/XX/XXXX. '' But again, Experian says there are no changes in the past year. 

I have a couple of problems with the situation : # 1 The integrity of XXXX XXXX payment system is flawed, there is no reason for 22 errors. There are still errors but I have no recourse as Experian can't even discuss the situation because they have no record.

# 2 Why were the errors not corrected when I had previously disputed the accuracy? Experian says they have never received a dispute from me in regards to this account. The latest update on the tradeline was my request to remove the dispute comments earlier this month. Even the notes that I can't see prove there items were previously disputed. 

This isn't a new process or system there is no excuse for XXXX XXXX errors or Experian lack of accountability. The 1st dispute should have corrected the errors and the 22 corrections should raise red flags. This is affecting me financially, I want the tradeline deleted immediately or I will move forward with an FCRA attorney to file suit against Experian.

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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2020, my car was repossessed by XXXX XXXX XXXX in XXXX Florida. I immediately contacted my auto financing company, XXXX XXXX XXXX, to figure out why. They advised me that my car loan had been canceled and the dealership I purchased my car from had purchased my vehicle on XX/XX/2020. I never received a letter or any notification about the cancellation of my loan, the sale of my car, or that there was a repossession in place. This has left me unable to perform my duties at work in the middle of a pandemic. I am a plumber and need transportation so that I can feed my family. The automobile dealership wants me to find another lender to get back my car. I am unable to come up with a down payment on short notice. I need some assistance and resolution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
I settled my account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX on XX/XX/2020 for the amount of {$150.00}. I then submitted a dispute on XX/XX/2020 with Transunion but was met with results stating that the account was still mine on XX/XX/2020. I do have a receipt of my transaction settling the account and tried to attach it to my dispute but technical errors prevented me from doing so. I've tried to contact Transunion by phone but have been met with a busy line and I can not find an email address to contact any representative.

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 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synochrony Bank is issuing credit cards under my social security with a fraud alert placed on my credit reports. On XX/XX/2020, I recevied a letter from a fraud review that the credit card was opened by me. I called the bank and was told the card was mine. I never applied for the card or received the card. I'm lose and don't know what to do next.

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