vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: CarMax, Inc.
State: PA

Complaint narrative:
This letter is in response to your letter XXXX see attachment below ) on XX/XX/2021 related to the CARMAX XXXX XXXX debt. I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt for {$8000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$8000.00} payable to CARMAX XXXX XXXX in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of CARMAX XXXX XXXX. The letter will be treated as a contract and subject to the laws of my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Someone used my identity to obtain lights and gas in my name. AARGON AGENCY INC is trying to collect the debt thats not owed. Took one of the accounts off my credit. Later I contacted them about the other account. I Was told it wasnt taking off due to the miss spelling of my name. So it shouldve never been on my report in the first place. I was told by a Aargon Agency employee that it would be put in a dispute and it would be taken off. But what she did was update my account with the correct spelling. And instead of taking it off like she said she would. She restarted the debt as if it had just accord. The original debt hold is XXXX XXXX. But I never stayed at the address that is mentioned. So they told me I have to get a identity theft report. For them to remove something that was in accurately put on my credit. I need something done because thats against Law if Im not mistaken. It start off as I deferred the payment do to Covid so they bought the debt and start the debt over as the original debtor until I called them. It was in accurate and they changed it to try and collect on a debt not owed to either party in question. Fair credit act has totally been abused in this manner.

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 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have asked this company many times to provide me with actual documents with an actual signature for this loan that's showing on my report. Anyone can use my name and social and anyone can use the address they have in file. Show me the actual proof of these documents. Not scanned copies, no photocopies, the actual documents. As well as social security number used. There are are quite a bit of people with the same exact name in this area

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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:
Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2021-03-16 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:
Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I purchased an RV through XXXX  XXXX XXXX in XXXX XXXX. The loan they secured for me was with Alliant Credit Union. My first loan payment was due on XX/XX/2021 which was paid on time. I then made my second payment on XX/XX/2021. I noticed that NONE of my payment was going to principle. NONE. I realize how loans work and that most of the payments in the beginning will go towards interest and a small portion goes towards principle. I even confirmed this with the finance manager at XXXX  XXXX XXXX. I reached out to Alliant Credit Union multiple times the last being XX/XX/XXXX when they said they will escalate to a supervisor. Still no call from them and still not fixed. Interest only loans are illegal in CA where I live. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was offered a Covid 19 forbearance on my mortgage payments for 6 months. They informed me that the 6 months of payments would be attached to the end of my loan. They stated that at the end of the 6 months I would receive documents in the mail to sign and have notarized. When the end of the 6 months approached I called them to make sure everything was in order. They assured me that everything was fine and that they would be mailing the documents shortly. After a week I called them again as I had not received the documents. They informed me that they were behind and not to worry, they would get them out as soon as they could. I was also told not to resume any mortgage payments. After a couple of more weeks passed I called them again. They informed me that the documents were sent out weeks ago. I informed them that they never arrived. I was told that they were having problems with the USPS not delivering documents. They told me that they would resend the documents and email them to me to be assured that I would receive them. A couple more weeks go by and I call them again. This time I'm informed that the documents were never sent or emailed to me as they weren't ready. At this time they also inform me that adding the 6 months to the end of the mortgage is not an option. I either have to make a balloon payment at the end of the loan or accept a new 40 year mortgage. I informed them that this is not what I was told. They also informed me not to make mortgage payments as it would throw off their math. I asked to speak to a supervisor. They informed me that it's not possible to speak to a supervisor. I went ahead and resumed making mortgage payments. I want all forbearance actions ended immediately so that I can refinance with a different lender as I've had enough of the fraudulent actions taken by the lender. 
It's an 855 phone number so every time I call I get a different person. I've actually spoken to people in different countries.

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 2021-03-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I previously purchased tuition education for my son. Due to COVID 19 he is and was unable to utilized these services. I have contacted them MANY MANY MANY times in writing and via telephone that to cancel this, we are not going to be able to utilize this due to the pandemic and the new way they change.d They first gave me provisional credit, now reveresed it. I do not want this educational services. I want a refund to my credit card and be done with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Minnesota Office of Higher Education
State: MN

Complaint narrative:
In XX/XX/XXXX I found out that I had a student loan in collections. I tried to make reparation with them at this time, but could not afford it because I just Graduated college and did not have a job. I tried explaining to them that the letters and phone calls were not going to me, but my parents house whom i have no contact with. I have recently tried to make reparation with them ( on XX/XX/XXXX ) now that I have a job. They were harassing me that after all my bills are paid I only have {$400.00} left and I offered to pay {$170.00} and they were accusing me of being able to afford {$200.00} and that he couldnt help me unless we settled on this amount. It was then I had to tell him I just had a kid and have over {$6000.00} in medical bills as well in order for him to agree on possibly {$170.00}. Still has not been confirmed. He said he will be calling to negotiate a higher amount if it is not accepted. 

I also have good standing on two of my other loans. My XXXX  loan if XXXX and my private Loan of XXXX. I already pay {$940.00} of student loans a month. 

This affects my husband  and my two children. This affects my credit. This affects my ability to go back to school. Im asked for them to let me refinance this collection loan with my other student loans after 9-12 consecutive payments and they wont do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rodenburg LLP
State: SD

Complaint narrative:
Mid XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was Rodenburg Law out of XXXX, ND. 

Another company had me served with the same fake document XX/XX/16 for a different debt. The law firm is XXXXXX/XX/XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Problem with personal statement of dispute
Company: NCB Management Services Inc.
State: SD

Complaint narrative:
I took out a loan with XXXX  XXXX XXXX which became illegal in my state around the same time ). I took the loan out in XXXX, I missed a payment and they sent me to their collection agency NCB XXXX XXXX XXXX. I ended up paying off the loan before it was initially due. I paid it off in XXXX XXXXand they said they would not report it. They never fixed it. I should have had a good score. I only missed that one payment and was back on track and paid off before the agreement. They are a high interest rate loan company and while this was happening it became illegal in SD. They told me they would not report it as collections because I did reconcile my debt with them quickly, yet three years later it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NJ

Complaint narrative:
This company " XXXX '' has an Hard Inquiry on my credit report although this hard Inquiry does not belong to me ..

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2021 I received a call from a family member that they received an already opened packet of information that contained account information, account numbers, balances and information pertaining to an attempt to collect a debt. 

On XX/XX/2021 I called Transworld Systems Inc. who is the company that sent this communication to my family member 's address. I spoke to XXXX XXXX, a supervisor. 

I asked them who consented to them contacting my family member and who authorized them to send them an entire account history? XXXX was unable to find out where they got my family members address from. 

I notified her that XXXX XXXX XXXX  XXXX which is the original creditor has my current information due to a current and pending legal matter I have with them regarding this same debt they are attempting to collect. 

On XX/XX/2021 I gave Transworld Systems a cease and decist notice and they continued to contact me but this time they sent the communication to a relatives house and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Applied and approved for ppp loan. I do contract work under my social security number. I do also have a small business- but it was left unrelated to the ppp as it is not responsible for paying back the funds approved for my self contract work. Money was deposited to my capital one account as {$20000.00} on XX/XX/2021. I withdrew XXXX on XX/XX/2021 to cover bills that had fallen behind as I should have done. I used my debit card for purchases and withdrew {$100.00} on XX/XX/XXXX as well as {$40.00}. On XX/XX/XXXX, I attempted to withdraw the other XXXX and place in my savings account. However, upon withdrawing the funds instead I was told my account was frozen and I needed to email my tax ein number the start date of my business and a business document TO XXXX. I called the capital one customer service number to find out what was going on. I was told there was nothing anyone could tell me except to send in my tax ID information as if they dont understand I obtained the ppp loan with my social security number. To satisfy all 3 I simply sent my EIN  from the IRS directly to the email and brought copies into the local branch on XX/XX/2021. I am completely confused and dismayed that they need information from my business that is unrelated to the ppp to investigate my account because I was granted ppp loan!! The loan was applied for with my social security number- and my contract work! It is unrelated to my business as my business is too small to qualify for ppp loan, making only a few thousand a year! Today, I receive an email saying that I need to call because of a fraud alert. So I did and the lady tells me they are going to closet account and not release any funds that were in the account! My paycheck goes in there, I deposit payments from my contract work into the account, I have so much more in that account than just the PPP loan! And to add insult to injury Ill be the one responsible to pay the SBA back funds that capitol one has stolen from me! Especially during a pandemic it is immoral to keep Americans hard earned money or any relief the government sees fit to provide! I have no debts with this account and it has been in use for over 19 years!! This is absolutely rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On approximately XX/XX/2017 my vehicle was repossessed and I was refused a payment reinstatement and a payoff amount. The creditor did not give me the date, location, or sale price at auction, regardless of my calls. 
My complaint is they failed to give me proper notice by rule of law.

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 2021-03-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NJ

Complaint narrative:
This company " XXXX '' has an Hard Inquiry on my credit report although this hard Inquiry does not belong to me ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I applied for refinancing of mortgage loan with PennyMac Loan Services , LLC and got approved for the loan. However, the lender decided to reject my loan since I am not a permanent resident in US. And, I am legal in XXXX and do have SSN, valid US Driver license, and EAD ( employment authorization card ). Can lender reject my loan application because of my nationality or residency status?

Company response to consumer: Closed with explanation