vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Around XXXX to XXXX, I have been seeing a lot of advertising on Credit Karma. They are sending all sorts of pre approval 's telling me that I'm pre approved for personal loans, credit cards and that I can refinance my car. All this to my email. I see these same offers every time I log in to check my credit scores. After some months have past and receiving so many offers that I was pre approved, I applied, through Credit Karma. I shared this Information with friends and family to sign up for Credit Karma to get same pre approved offers, if not better. I applied in or around XXXX and got denied for 2 credit cards and a personal loan. I was very upset and devastated. I was lied to and marketed for several months. Credit Karma told me that I was pre approved and they told me a lie! I was severely stressed and sick for weeks. Anytime I see something about pre approvals I get scared away. I no longer check my credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Geniuses card service they won't work with you Geniuses card service have called close to 400 times in the past week all day all night they even went has far they disquie there number it come up has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My ex wife 's mother I co-signed a loan for a vehicle and she is ruining my credit because she is consistently failing to make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX reported that I owe {$1300.00} to an account that was fraudulantly opened with my social security number on XX/XX/2022. They turned it into a collection agency called XXXX XXXX XXXX and reported it to XXXX in XX/XX/2022. I noticed it on my credit report XX/XX/2022 and contacted XXXX XXXX XXXX at that time, along with XXXX. XXXX told me that I would have to go through the credit collection agency at thay time. A fraudulent address showed up on my credit report when I looked at it yesterday, XX/XX/2022. It is XXXX XXXX XXXX, XXXX, CA. I have lived at XXXX XXXX XXXX XXXX for 6 months and XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 17 years ) prior to that. Please help me get this off of my credit and close the account with XXXX XXXX. I have since frozen all XXXX accounts ( XXXX, XXXX and XXXX ). I am applying for a mortgage at this time so time is of the essence for me to get this resolved. Thank you ps-I also attached a coupe of utility bills of proof that I live at XXXX XXXX XXXX XXXX XXXX XXXX, CA. I work for XXXX XXXX XXXX XXXX and do not live in XXXX, CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Veripro Solutions Inc.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE HOME WAS NOT ABANDONED BY T XXXX  XXXX TRUSTEE, DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS ALSO. 

THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. 

THERE IS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY! 


YOU FILED A CLAIM IN BRC FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was scammed through XXXX of the amount of XXXXXXXX XXXX on the dates of XX/XX/XXXX through XX/XX/XXXX and my bank couldnt give it back to me. The person already told me they werent giving it back and I dont know what to do. I dont have screenshots because I blocked them after they threatened me. Thanks a lot Huntington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 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: DISCOVER BANK
State: MD

Complaint narrative:
Discover been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I file XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Toyota Financial was included, I spoke to Toyota on the XXXX of XX/XX/XXXX and informed them I was returning the vehicle I took to XXXX Toyota, Sales Manager name was XXXX, I gave keys he took pics, said he will call in the nest day, that never happen, vehicle still sitting at XXXX Toyota, XXXX said he gave keys to Toyota Sales rep, and he did nothing?, Toyota is reporting negative information on me with all three credit credit agencies, I filed XXXX XXXX for a fresh start and in spite being included in XXXX  XXXX they are calling me reporting XXXX addition debt dragging my score down even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
XX/XX/22 two payments of XXXX were sent to a XXXX XXXX from XXXX through my bank account. I contacted a customer service number that I thought was XXXX  they had me download an app called XXXX, and told me to send a code XXXX to the recipent and had me to it twice to supposedly verify my account, that they took the funds from and my bank hasnt refunded to funds. I filed a police report with XXXX VT police department and disputed it with my bank M & T

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 monetary relief
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The credit reporting agency stated that these accounts were properly investigated and came back as verified. however, how is this true when there are several inaccuracies showing on my report? As a customer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 u.s.c. 1681i ( 7 ) Method of verification- description of reinvestigation procedure

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 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I.C. Systems placed a collections account on my credit report when I already have had this account removed 3 other times by 3 other collections. this collection is fraud and has already been proven. 

They have now caused me monetary damages by having this account placed back on for the 4th time. And now of course I have to go through snail mail to dispute this. 

Phone agents as always super rude and super unhelpful. Now my only option is to snail mail my dispute and delay me 2 more months most likelyy

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 2022-09-16 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: TX

Complaint narrative:
On XX/XX/2022 I requested a copy of all three credit reports via XXXX and I noticed that my Trans Union Credit report as well a my XXXX credit report had identical Collection Account from : XXXX XXXX XXXX. Both credit agencies reported This account status as OPEN and showed a PAST DUE BALANCE of {$1200.00}. This is violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. 

According to the Fair credit reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable, and accurate. 

I IMMEDIATELY called and sent notarized letters demanding remove this account from my credit report, and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

XXXX completed this process and scheduled the removal to be reflected as of XX/XX/2022. Trans Union ignored my request and instead reached out to XXXX XXXX XXXX and informed them to change the status of the account from OPEN and to remove the PAST DUE balance so they could keep this. item on my report. By the next round of monthly reporting Trans Union updated the account type to COLLECTION and removed PAST DUE and replaced it with UNPAID. They noted in my credit profile that account information disputed by consumer, meets FCRA requirements. This of course was not true this Account had been reported inaccurately for the last 4 year on my Trans Union credit report which affected me negatively.

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 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Our company XXXX XXXX XXXX XXXX had a person posing as XXXX XXXX  get into our computers on XXXX XXXX,XX/XX/XXXX2022. They locked us out and then I started calling Chase. I called 4 times on XXXX XXXX, 2022 worried about our money. They told me to change the password which I did 2 times that night. The lady I spoke to that night said not to worry and I said I didn't want to wake up to money being taken from our account. I went to bed. At XXXX XXXX   on XXXX XXXX,2022 they wired {$39000.00}. from our checking account. They sent me a text a XXXX XXXX. It said call at XXXX  when they open if this isn't correct. I called at XXXX  and filed a complaint. They dropped the call. I called back at XXXX and was told to get to a branch when the open. I did at XXXX. We closed the account and opened a new one. The account said pending on the wire transfer from XXXX XXXX on the XXXX through XX/XX/XXXX. I feel like Chase could have helped but didn't. Also, the FBI and XXXX wanted help but Chase wouldn't let them. I asked for information on where and who and what account it went to. They told me I sent it and I should call my friend and ask for it back I don't know the person that got it. 
Please help me. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MD

Complaint narrative:
XXXX been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.

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 2022-09-16 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: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

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 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XXXX XXXX Requested Forbearance based on CARES ACT. I specifically asked if my loan or credit would be negatively affected. I was definitely concerned about that, I did not want to request a forbearance, but we were in a tough financial position due to COVID, and being on XXXX XXXX. Flagstar assured me that I would not be negatively impacted, the loan will be on pause and the time would be added to the end of the loan. 

XXXXthere was no paperwork I signed in order to enter forbearance, I completed a quick online application After a couple of months, I called concerned after seeing my total amount due being increased as if I am in debt that amount. They assured me that since this was a COVID forbearance, after my forbearance is over they will adjust my loan and this will not negatively impact me. 

Feeling confident in what they repeatedly told me, we took our time to get our finances in order and remained in forbearance for 1 year. 

XX/XX/XXXX, we requested ending our forbearance, we were told to make payments for 90 days in order to end the forbearance XX/XX/XXXX our forbearance ended. We were told that in order to make our account current, we would need to resign a new loan. Essentially like a refinance, and by doing so our mortgage insurance would also be removed. 

New loan documents showed that my mortgage loan went from {$490000.00} to {$520000.00} My original loan ( XX/XX/XXXX ) was : {$500000.00} Update XXXX XXXX : Called Flagstar to request copy of my forbearance application and agreement. Rep looked for a while and stated that she could not find an application for forbearance. Instead sent me a document that was mailed to me showing that I was in the forbearance program. I asked how I was able to agree to the terms of the forbearance if their is no documentation, and she was not able to answer that question. 


Summary : We feel that Flagstar participated in predatory lending practices by not being clear about the fees or financial implications of being in forbearance Had they been clear, we would not have entered into forbearance, as difficult as that would have been for us They reassured me this would not be harmful more than once, when I shared concerns about the financial implications of forbearance They took advantage of people in vulnerable situations during a worldwide pandemic They indicated we would have our mortgage insurance removed after refinancing We were told refinancing would bring our account current, but were not informed that there would be a significant increase in the loan balance. 
Neither party has an agreement to the terms of the forbearance, another example of how nothing was clear or agreed upon, and they were able to assure me via phone that there would be no fees or negative consequences.

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I have used credit karma for a couple of years and received multiple " pre approved '' offers via credit karma. 

I applied for at least 2 of them and was denied. My credit did go down as a result each time. I may have applied for a 3rd but I am not positive if I quit applying for them after the second or third denial.

I do not know if these denials resulted in a hard inquiry, I do know my credit went down appropriately 2 points each time. 

I also applied for 2 credit cards claiming no hard credit check and builds credit hat l was approved for. When they were reported to my credit it lowered my score by 42 points. 

At this point my credit is lower after following credit karmas " advice '' than it was when I began using their service. 

I do believe they are using misleading advertisements to entice people into applying for credit that they either don't qualify for, and also by misleading customers into thinking taking the suggested actions will truly help build credit. 

I have also paid extra on credit card payments because they claimed it would have a positive impact on scores, but the changes were less than claimed and pretty much negligible.

Company response to consumer: Closed with explanation