vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXXXX2015 per XXXX  and not XX/XX/2015 per XXXX and Equifax. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
For the past year I have contacted XXXX and Equifax with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my daughter for a fictitious .My daughter called a representative at Shellpoint Mortgage Servicing customer service number, on XX/XX/XXXX she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX Mortgage XXXX it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my husband refinanced from XXXX XXXX XXXX of 2019 with no delinquencies prior and neither me or my daughter were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! My daughter and I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my daughter, husband or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The original creditor is Capital One. 
- The debt collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX XXXX and XXXX ). I have also called XXXX XXXX   directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact Capital one - but I was advised to contact the debt collection agency. I have a current capital one credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX   XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$720.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX   XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$720.00} XXXX XXXX   XXXX {$650.00} XXXX XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-18 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: The CBE Group, Inc.
State: GA

Complaint narrative:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer. 

XXXX XXXX/XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX   XXXX Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX Collections Attorney XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX. 

UNKNOWN CREDITOR : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  XXXX XXXX  Account # : XXXX Account Type : Collection Bureau Code : Individual I Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX. 
No. of Months ( terms ) : - - High Credit : {$110.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX UNKNOWN CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX  Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$100.00} No. of Months ( terms ) : - - High Credit : {$100.00} {$100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - UNKNOWN CREDITOR : CBE GROUP CBE GROUP ( Original Creditor : XXXX XXXX   XXXX  ) XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX Balance : {$590.00} No. of Months ( terms ) : - - - High Credit : {$590.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. 
Affected by natural disaster Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday, XX/XX/2020 my Wells Fargo business credit card was stolen. I called Wells Fargo immediately on the morning of Friday, XX/XX/2020 and reported my credit card stolen. The police department was called as well and a report was made. Given that both my credit card and California State Driver 's License were stolen - the report was considered identity theft. 

Although I promptly reported the theft of my credit card to Wells Fargo - Wells Fargo included a charge in the amount of {$1500.00} that was made on XX/XX/2020 in my XX/XX/2020 credit card statement. This is the first indication that I received from Wells Fargo that this charge is being considered a valid charge on my credit card. I did not make this charge. This charge was made after my credit card and driver 's license were stolen. This information was relayed to Wells Fargo - in addition to the police report details & police officer contact information. However Wells Fargo has not removed this charge from my statement and has denied my fraud claim and has not given adequate explanation as to why my claim has been denied.

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 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
They sent me a letter saying that they gave me a loan modification for XX/XX/XXXX which would allow me to skip XX/XX/XXXX payment. Now they are trying to change it to a 90 day forbearance That is not what I agreed to. I want them to honor the initial agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: FL

Complaint narrative:
I filed a complaint with your office Case # XXXX. 

The case was closed due to the company responding. 

In their response letter they said if I had any further questions that I could contact : XXXX XXXX, Executive Office of Customer Advocacy, at XXXX. 

I left her two messages on her recording within the past two weeks and have yet to receive a return call. 

I feel Discover is using unfair loan practices in my case and are avoiding to return my calls. 

I would hope that perhaps this office can persuade a call back from her or any other Discover person in the Executive Office of Customer Advocacy. 

I know this office can not act directly on my behalf but I do feel it could further review their practice and determine if they are practicing unfair loan practices by referring to the practices I explained in my complaint. 

There explanation of my daughter 's debt to earnings ratio being to high at 22 % seems to be ridiculous. 

Or even better if they deem a lender that is not eligible to qualify to refinance and lower their rate is refused a cosigner? 

If they're truly concern is her inability to repay a loan why would they not want to accept a co-signer which gives the financial institution a greater protection on their loan? 

Perhaps because they know that the refinance would reduce their interest earnings. 

Sounds like an unfair loan practice that again should be looked into by the CFPB oppose to letting the financial institution continue oversee itself when their response makes no sense. 

Student Loans have a very high delinquency rate and financial institutions should treat those borrowers that are paying in a more fair or perhaps more legal loan practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Was set up on a payment plan where they pulled a monthly payment every month. After almost a year of being on the plan and never missing a payment they decided to send my account to collections. No warning, no offer to re-evaluate monthly payment. How can a company agree to accept a monthly payment and then a year later decide to send you to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Submitted application for annual renewal of Income-Driven Repayment plan, which Navient approved. Navient responded that I will be given my new repayment information on XX/XX/2020. As of XX/XX/2020 I have not yet received my new repayment information for account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
Purchased a new auto in XX/XX/2020, andcontacted KIA Lease End about early termination while we were purchasing a KIA. 

The dealer that we have an ongoing relationship with, agreed to pay off any early termination costs when purchasing the auto. 

Everything was fine up until XX/XX/2020 when someone from KIA leasing contacted my wife at work about an unpaid balance past due, and was being referred to collections. This is the first we had heard of the issue. We requested a copy of the invoice, they said they would send it and email a copy asap. They have not done either as of today. Again contacted her at work at XXXX Monday XXXX. And again we requested the paper invoice be mailed so we can resolve any issues. But they still threatened to send it to collections. 

We contacted the dealer finance manager about it, and he said they would take care of it, we just needed a invoice to show them. 

Without a valid paper copy, we can only assume this is just another scam of sorts, or other type of poor customer relations.

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 2020-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 t RECEIVED a voicemail from BBVA bank advising me of suspected fraudulent activity on my VISA card. I immediately responded, the same day, and advised the bank I didn't make these two charges. These charges were at " XXXX 's ' XXXX '' {$18.00} and $ XXXX These transactions were " pending '' -- The bank advised me they couldn't reject the charges but I would have to go through the " process ''. 

It's been 88 days and counting and I have not been credited with these amounts. I spoke with " XXXX '' to at XXXX and advised her of the situation. She suggested I call customer service, which I did and was advised the wait time is over 1 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
We were about to sign for our TCF Bank HELOC when we received this email message : " TCF Bank has made the decision to prioritize all purchase and refinance transactions that are currently in the banks pipeline at this time. When capacity allows, TCF Bank will change focus on closing your HELOC transaction. We understand that may delay projects you had planned, but we are fully committed to continue on working your application for you as soon as possible based on our capacity. '' My loan was in the pipeline long before other loans that are being prioritized above my loan. They are now telling me that our loan will not close until sometime in XXXX. I believe this to be an UNETHICAL practice and would like to be advised as my best course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above is reporting a credit inquiry dated XX/XX/XXXX and XX/XX/XXXX. I called and spoke to there rep XXXX ID # XXXX and she indicated that my information did not match what she showed in the system and that it appears to be fraudulent.

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 2020-05-18 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: AR

Complaint narrative:
I reached to Transunion at the beginning of XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( XXXX XXXX ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through XXXX XXXX XXXX or XXXX XXXX XXXX Both Transunion and XXXX XXXX has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither Transunion or XXXX XXXX has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I am trying to get out of forbearance and no one at Pennymac is able to take me out of forbearance. I am unable to refinance my house do to this problem. Pennymac has frozen my account so that I cant perform anything on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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