vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
In XXXX received a VA home loan through United Wholesale Mortgage. In XXXX I attempted to do a refi through the VA but was told by XXXX   XXXX  that the gaurentees were never attached to the VA loan. Again, in XXXX I attempted to do a VA refi and found the guarantee was still on a house at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX because of a assumption of my loan with a non veteran. That loan was refinanced and the guarantees were released. 
XXXX XXXX  for the XXXX home never submitted the refi to the VA and UWM never attempted to place the loan with the VA. 
I was advised to have UWM, the original loan holder on XXXX XXXX XXXX XXXX, Mi. XXXX. This was submitted to UWM on XX/XX/XXXX. I haven't received any updates and my calls to UWM just leads to confusion on the part of UWM. I'm told it is with the research division and I should get an update within 24-48 hours ... it has been 12 days with no update or no one to contact. 
I have been attempting to do this refi for almost 2 months now. This is costing me considerable money due to the current rates in the 2.5 % range and the current mortgage rate is 5.25 %. This should have never happened and I'm feeling as if the mortgage company is trying to avoid correcting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to lift a freeze on my credit. During a phone conversation with an Experian rep., she stated, " Your email does not allow me to ask you questions to verify your identity. '' What is that all about? Why NOT? 

Then she stated, " You lifted a freeze on your account from XX/XX/XXXX to XX/XX/XXXX. I was astonished ... I DID NOT LIFT A FREEZE ON MY ACCOUNT WITH EXPERIAN!!! This company permitted the lifting of a freeze without my consent. And NOW ... I am unable to access MY OWN ACCOUNT! 

I demand that Experian call me immediately. They are preventing me from refinancing my home. 

In addition, I attempted to set up a free member account on line. I received an email to complete setting up the account and that DOES NOT WORK. I have made multiple calls to multiple Experian numbers with no success. See the SIX phone numbers I have called to get some help without success. See the hours of operation listed that are a lie. No one answers. This company is a joke.

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 2020-07-25 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: OR

Complaint narrative:
reporting wrong address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY sent ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjust has reported a alleged collection account on all three of my credit reports. I have already taken care of this alleged debt with the former debt collector because this was a case of identity theft. Also this debt is past the statue of collectable as it is past seven ( 7 ) years. National Credit Adjust has not responded to my letters for validation of debt and has violated the Fair Debt Reporting Laws and the Fair Debt Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: TN

Complaint narrative:
On XX/XX/2019 the report says that I have a accident with property damage. 
That wasnt me, completely wrong person. 
It needs to be taken off of my report. 

Thanks -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
My federal student loan was transferred to Fedloan Servicing in XX/XX/XXXX. At that time, I had already made 13 qualifying payments on my REPAYE plan with my previous servicer, XXXX. 

I continued to make my payments in full each month following that, until my loan was placed into administrative forbearance in XX/XX/XXXX, pursuant to the CARES Act, for a total of 18 payments. 

In XX/XX/XXXX, I requested a count of the number of qualifying payments I had made on my REPAYE plan. In XXXX, I received a letter stating that I had made only 18 qualifying payments. 

I wrote back the same month disputing the payment count on two grounds : 1. The payment count did not include the 13 qualifying payments I made to XXXX before my loans were transferred to Fedloan Servicing. 

2. It also did not include the 3 skipped payments ( for XXXX, XXXX, and XXXX ) during the time my loans had been in administrative forbearance as a result of the CARES Act. Per the CARES Act, those skipped payments should have been added to my qualifying payment count. ( Title III, Subtitle B, Section 3513 states that " Notwithstanding any other  provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ),  the Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program or loan rehabilitation program authorized under part D or B of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ; 1071 et seq. ) for which the borrower would have otherwise qualified. '' ) In XXXX, I received a response from Fedloan Servicing that was identical to the first letter, simply stating again that my payment count was 18, without any attempt to address the two specific points I mentioned in my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 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: NY

Complaint narrative:
ON XX/XX/2020 I HAD 2 ACCOUNTS-XXXX XXXX   BALANCE XXXX AND XXXX XXXX BALANCE XXXX WHICH LOWERED MY FICO SCORE 65 POINTS, HOWEVER ON XX/XX/2020. I HAD PAID BOTH ACCOUNTS BUT MY FICO SCORE ONLY WENT UP 8 POINTS. MY XXXX  FICO SCORE WENT UP 62 POINTS SO WHY IS THIS SO DIFFERENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I owed XXXX XXXX XXXX they sold my debt to a debt collector by the name of Amsher Collections and I paid them a Total of XXXX dollars because thats what they said I owed XXXX when I complained over it being on my credit for the wrong amount, Well XXXX   told me I only owed them XXXX so that I over paid So they were going to send me a debit card with a refund amount of XXXX they said they done that on the XXXX of this month however I woke up this morning and now Amsher collections just hit my credit again for XXXX this is rediculous I litteratly just paid almost XXXX worth of debt off my credit and they are acting as if I have not paid them an I have receipts an proof an emails from both charter an Amsher somthing needs to be done please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
My XXXX was repossesed via towtruck on Friday XX/XX/2020. In the middle of the global pandemic of COVID19. I am a high risk individual, with a history of XXXX. My Lease bill went unpaid for 2 months, amidst a time I thought I was on auto-pay for the lease. Yesterday I answered the day to an unmasked towing worker, with my car already connected to the tow truck. I had only a few minutes to grab what I could. The office phones of Honda Finance were unresponsive, stating they were closed. I had been told no notice of it being repossesed. 

Imagine having hardly enough money for food in an economic shutdown and having your car towed away to be held against fees and charges that I haven't even begun to have explained to me. 

I have been out of work for weeks, and have been waiting 3 weeks still for PUA payments from the Government. 

I now have no way to pick up medications, food, or access to the items left behind in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-07-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX XXXX is the Company and CBSA is the collection agency. XXXX XXXX rent houses in the city of XXXX which is just outside of XXXX XXXX Texas, so its considered a military town. Check the history of XXXX XXXX, their known for primarily renting to soldiers who often get XXXX or restationed during their leasing contract. XXXX is known for keeping security deposits and charging people for damages that were already present upon arrival. The XXXX/XXXX  normally take care of the debt without investigating. That's exactly what happened to my Wife and I, but were not military. We left his property in better condition then when moved in, we repaired and upgraded several things in the home before we moved out. We broke our contract because my wife got a promotion with her job which relocated us to XXXX. We discussed the situation with XXXX and explained that my wifes employers were taking care of the contract for breaking the lease and they were paying the fees associated with the contract. In true XXXX fashion they keep our security deposit, charged us for not cleaning and added a list of repairs that wasn't even close to being true. This is the norm for XXXX and what they do to soldiers because they know the XXXX XXXX will take care of it, but were not in the XXXX. One of the problems is Mr. XXXX himself never will meet with you or discuss anything with you, he never answers your calls and his office is never open, it's just a building with no one in it. So we later found out that the matter was sent to CBSA collection. We talked to CBSA on several occasions to try to resolve the matter but to no avail. We even sent some payments to them and tried to work out some sort of settlement but there is no negotiating anything with this company, they want it all so I stopped paying because were being charge for things that just simply didnt happen. I hope this matter and this company is investigated and reported for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: PNC Bank N.A.
State: OH

Complaint narrative:
It isnt letting me connect my PNC account to my Privacy  account, it only emails me saying that they received the request to connect them without giving me any way to approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: FL

Complaint narrative:
I went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi Bank is artificially keeping my card maxed out. I had a {$10000.00} limit, I got my house ready to sell recently and incurred a lot of expenses and maxed out a couple cards. I just got the funds for my house and paid down my cards by a total of {$25000.00}. I paid down the citi card by XXXX, and the INSTANT the payment clears I get an email that states they lowered the limit to the amount I had just paid the card down to and it was because of my credit score. But now Im stuck in a catch-22. I cant improve my score because they have both lowered my limit and kept the card maxed out artificially, and I cant keep the limit where it was to improve my credit score. I just wanted to keep my limit where it was so I could get my credit score back up and they are now preventing me from doing that.

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to update my credit report and include my new credit card accounts with XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

I've had these accounts for 3 months now. 

We're in the process of filling a class action lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.

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 2020-07-25 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 went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial is the Lessor of my XXXX  XXXX XXXX VIN # XXXX and lease account # XXXX. This Lessor does not make PAYOFF information available to the consumer/Lessee. THERE MUST BE SOME KIND OF DISCLOSURE REQUIREMENT SO THE CONSUMER CAN KNOW WHAT THEIR BALANCE AND REMAINING FINANCIAL RESPONSIBILITY IS! 

There is NOTHING AVAILABLE ONLINE GM Financial website ), nor in the phone APP. Also, when you call customer service, an automated attendant instructs you to go online and use chat. When you go online and use chat, the agent tells you to go call the customer service number. Round and round. How can it be allowed to block this information from the consumer?? This is game playing, and I believe information that is unlawfully being hidden from the consumer.

Company response to consumer: Closed with explanation