vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 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: WLCC
State: GA

Complaint narrative:
I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about 150 points. XXXX has adamantly REFUSED to make adjustments and increases to my credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. XXXX failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of XXXX 's obstinate refusal to correct the damage by this identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I tried to use my debit card and it was declined due to insufficient funds. This was very odd to me as I knew what the balance in my account was. I left the store and while I was in my car I contacted USAA and stated that there was a charge for {$4500.00} on my account and I did not authorize it. XXXX XXXX told me that by Friday the XXXX the funds would be returned to my account. I stated this needed to happen as my payroll was set to be deposited and I also had bills coming out! The limit on my card is not even {$4500.00} so the card should have declined. my account is now over {$3800.00} in the negative! I called USAA on Friday as I did not see it returned and I was told there was a letter on my USAA app ( I checked and I did not ) Still nothing as of today XX/XX/2020. I was told that because my debit card had a chip on it there was nothing I could do! I did not choose to have a chip ( it was mandated ) On XX/XX/2020 I ordered a new card as I had left my purse in XXXX and when I went back for it it was gone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was trying to help my daughter finance something for her school, but found out I had a bankruptcy of my credit report. I did not recognize - and CRA said some company called LexisNexis told them it was accurate. I sent this strange company a letter and disputed it - it has been over 30 days and according to what I read on FTC website they have 30 days to respond or the information has to be removed. They never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Simply stated, I filed an application for loss mitigation with Flagstar Bank in XX/XX/XXXX, the application was denied and I had to refile in XX/XX/XXXX. The application I refiled was approved and I went on a trial plan XX/XX/XXXX through XX/XX/XXXX. Meeting all those payments, my loan was accepted as permanent and I signed and returned the documents. I made the permanent payment amount which was a slightly higher amount then the trial period. Flagstar claims I didn't signed the permanent agreement correctly and closed the deal without proper notification and while I was doing everything possible to communicate and work with them. I have attached many supporting documents including a timeline of events, and similarities to the administrative action filed against them in XX/XX/XXXX. I have been in contact with Flagstar daily and done everything asked of me. Flagstar withheld critical information that closed my application.

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 2020-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have never done business with XXXX, I don't even know what it is. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
- On XX/XX/XXXX I paid off my loan with Chrysler Capital. I received a letter from them stating it was paid off and that I was due a GAP refund of XXXX -On XX/XX/XXXX a fax from XXXX in XXXX XXXX XXXX  was sent to Chrysler XXXX at XXXX ( attached ). Jeep in XXXX XXXX  XXXX is where I originally bought my XXXX  and Gap insurance. The fax stated how much my refund was, and where to send refund. This was received by Chrysler Capital on XX/XX/XXXX at XXXX XXXX -On XX/XX/XXXX my cancellation request was accepted by Chrysler Capital . They stated how much my refund was due to me. 

-On XX/XX/XXXX Chrysler  XXXX sent my refund check to XXXX of XXXX XXXX XXXX. NOT made payable to me. It was made pay to the order of XXXX of  XXXXXXXX XXXX  XXXX. XXXX returned the check back to Chrysler Capital and on XX/XX/XXXX Jeep stated they could not give it to me because it was not in my name. It was made pay to the order of them. I was told by XXXX in XXXXXXXX XXXX XXXXXXXX that Chrysler would have to send it to me and to my address since it was my refund. They did not understand why they sent it to them. XXXX sent the payment back to Chrysler Capital. 

-Between the dates of XX/XX/XXXX through XX/XX/XXXX I have called Chrysler Capitall at XXXX. I have spoken to them no less than 20 times trying to get Chrysler Capital to send me my GAP refund to my address and in my name. The most recent time was on XX/XX/XXXX. I was escalated to the 'Executive Department. '' I have spoken to a Mrs. XXXX. She told me that my refund was again " sent in error to XXXX in XXXXXXXX XXXX    XXXX and not to me. 

- I called XXXX in XXXXXXXX XXXX XXXX on XX/XX/XXXX and again they told me that Chrysler XXXX has my refund. They sent it back because they can not legally give it to me because it was not in my name. 

-I paid off my loan in XX/XX/XXXX. We are now approaching XX/XX/XXXX. 

-I paid off my entire loan with Chrysler Capital faster ( about 7 months ) than it has taken for them to refund my GAP insurance properly. 

- I would like to say again that I have called Chrysler Capital no less than 20 times in the course of 7 months trying to get them to correctly send me my GAP refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Every time I try to get my supposedly free annual credit report, I'm blocked from getting it because of bogus questions from TransUnion and XXXX  ( answers always " none of the above '' ), and XXXX  the problem suggests I'm not alone. XXXX  is the only company on there that doesn't try to dodge legal requirements by claiming they can't confirm my identity unless I physically mail them documents. Maybe I'm wrong, but it seems like they're just creating an extra obstacle to stop people from accessing their credit reports for free. What's arguably worse is that I can't check for fraud because the questions they rely on to confirm identify are the same questions I wouldn't be able to answer correctly if my identity had actually been compromised!

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 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My homeowners insurance is due immediately, if not paid my policy will cancel effective XX/XX/2020. I have sent 3 emails to Shell Point Mortgage requesting to pay my homeowners insurance from my escrow. My homeowners insurance is due to XX/XX/XXXX and to date they have not received payment.

Shell point Mortgage is the worse loan servicer on the planet. I am sick and tired of trying to work with them. To date I can't even make a payment on my mortgage through their website, it continues to state " this account cant make payments online ''. Plus my mortgage is current, so HELP ME UNDRSTAND WHY MY account is flagged. Shell Point Mortgage forces you to call in and wait on hold for over 1 hour. This is ridiculous. They did the same thing with my 2020 property taxes, paid them late after I reported a complaint for them.

I will not be put through any inconvenience if Shell Point Mortgage fails to pay my homeowner is insurance on time. 

The homeowners insurance is scheduled to cancel in 3 days from Monday XX/XX/2020.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank is still showing an open account for a lease that ended and was paid in full. Their account remained open after the lease was paid in full and the car was given back. There was a delay in the bank arranging pick up of the vehicle which was their problem. I paid off my lease in full. They are still showing an invalid amount and open account status. This was paid off in full prior to the 39 months. Last payment was XX/XX/2017 lease ended XX/XX/2017. The onus was on Ally to make arrangements to pick up the car, no local dealership would take the car back. I started addressing the issues with Ally in XX/XX/2017 and multiple representatives were aware of this issue. I was advised numerous times that this was resolved and taken care of. However, this still remains on my credit report as an open account which is in error. I was advised nothing about any remaining balance or outstanding account. This is fraudulent and in error by Ally. I satisfied my 39 month lease in full and there was no balance remaining after that 39th month. This account needs to be closed as paid in full and reported to the credit bureaus as paid in full and closed.

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 2020-03-15 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I applied for a credit card at my credit union and I learned about a bankruptcy information I was not familiar with this so I sent a letter to dispute to lexisnexis because these weird crazy reporting places saying they are the company who is telling the about this information. It has been over 30 days and I have not heard anything - so I was told they have to delete if they do not respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have never opened an account with XXXX XXXX. I have never done any kind of business with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 {$830.00}. 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 th
e 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 FCR

A, 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. -- COLLECTION ACCOUNT -- 1. 12 XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Experian and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Experian thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that whitout any proof, incredible? When I contacted Experian I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX  along with proof of signature receipt from the USPS, and they only answered me through online, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Experian to remove this information from my credit report as soon as possible.

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 2020-03-15 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/2019, my XXXX application alerted me to a new inquiry from Synchrony Bank/Pay Pal. I immediately called Synchrony Bank and spoke to the fraud department and notified them that I did not apply for a credit card. The fraud department said that they will investigate and I should receive something in the mail within 30-60 days. I have never received a credit card statement at my address because this is not my account. Today I checked my credit report and noticed the account is still listed on my three credit reports and now the owner of the fraudulent account now has a balance on the card of {$49.00}. I want this account closed immediately and deleted from all three credit bureaus ( XXXX, XXXX, and XXXX  ). I also want the inquires deleted from all three credit bureaus. I am also filing a complaint with the Federal Trade Commission and will be filing suit in my local municipality against Synchrony Bank.

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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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 — Investigation took more than 30 days
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 {$5200.00}, {$0.00}, {$29.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -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 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-16 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I sent a dispute to LexisNexis and they never responded - this is a violation of the FCRA. It has been over 30 days and I have not heard anything from them. I need this incorrect information deleted for violation of the 30 day FCRA violation. THe credit companies claim they are the company providing the inaccurate information.

Company response to consumer: Closed with explanation