vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: PA

Complaint narrative:
i CONTACTED XXXX XXXX XXXX  BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE 3 CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX  XXXX DBA USAA has been dishonest and deceitful to me as a consumer. They are charging me unnecessarily for PMI/MI on my home loan. In XX/XX/XXXX, I submitted a request for XXXX to remove the XXXX PMI monthly charge from my mortgage loan. XXXX sent out an appraiser who low balled me on the appraisal although USAA/XXXX  had completed a higher appraisal just a year prior for my refinance. On XX/XX/XXXX I sent a certified letter to USAA/XXXX  requesting a copy of the appraisal they used to deny removing the PMI. I also requested that USAA/XXXX remove the PMI because based on the calculations, the PMI should've been terminated from the loan automatically. I have not heard anything from USAA/XXXX and as of today, XX/XX/XXXX, XXXX is still charging me PMI or MI. 

According to USAA, my home is worth {$170000.00} vs what I owe {$100000.00}. 

As a consumer, XXXX has violated my rights and continues to charge unnecessary charges on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have diligently paid my mortgage payment via ACH since it was first sold to Rushmore Loan Managment. I was notified that they had sold my mortgage to a different servicer but had not sent the monthly payment that was debited from my account on XX/XX/2021 in the amount of {$12000.00}. After speaking to Rushmore they informed me they decided to take that monthly payment and apply it as an additional principal payment. This was done without my knowledge or consent, furthermore they have also failed to forward that {$12000.00} payment that they say was applied to principal to the new servicer so my principal at the new servicer is the same and is still accruing interested while Rushmore does whatever they wish with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

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 2021-07-12 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:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2021 I sent XXXX a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.

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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I called the company on XX/XX/21 and the phone number was no longer good. The Lender. Target Cash XXXX was supposed to deposit loan of {$1000.00}, but did not. Yet Target Cash had previously deposited {$1000.00} into my account and instructed me, as a good faith measure, to use that money to purchase {$1000.00} worth of XXXX XXXX cards and text the company photos of the cards. After the completion of this task, my {$1000.00} ; loan was supposed to be deposited on XX/XX/21. However, this did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/XXXX after XXXX my chime account was hacked and i immediately called chime i was furious XXXX was stolen chime told me that i needed to wait 7 to 10 business days for it to finish pending. Once finished i disputed the transaction and still chime did nothing but blame it on me and provided a unsatisfactory report of their findings accused me of being a frequent XXXX XXXX user and a multiple disputer which doesnt matter chime has had errors with me in the past and yet i stuck with them it has put me and my children in a very financial hardship. I also contacted XXXX XXXX and they explained how it happened chime wont take responsibility for this and i need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Acct reporting negative open in collections Account has been paid off in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
THIS COMPLAINT IS REGARDING ORIGINAL COMPLAINT # XXXX Huntington National Bank ( HNB ) received our check for {$150000.00} on XXXX 2021 but did not apply to pay off our home loan until XX/XX/2021. 
At that time XXXX demanded payment for XXXX and XXXX interest even though our loan was paid in full on XX/XX/2021 when HNB cashed our checkthis was paid in order to save our good credit rating. 
Per our payment history prepared by HNB, XXXX and XXXX interest totaling {$720.00} had already been paid on XX/XX/2021. 
HNB needs to return BOTH XXXX and XXXX interest payments {$720.00} x 2 = {$1400.00} AND ANY INTEREST HNB REALIZED BY HOLDING OUR MONEY AND NOT APPLYING TO OUR LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Called XXXX to close account with XXXX and XXXX XXXX XX/XX/XXXX. They advised that XXXX timeshare opened the credit card in my name. I never gave them permission to apply for a Credit Card. I was there for a Timeshare presentation. Was not advised that there is any Credit Card Approval. Received Credit Card in the mail. They also signed me up for a XXXX XXXX Credit account without my consent. Credit card Acc was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On or about XX/XX/2021 XXXXapitol One credit card telephoned me and asked if I applied for a Capitol Card on-line with them? I said " No, I already have a card with you. '' They acknowledged my open account and denied the online application. They also suggested I contact the 3 credit reporting bureaus and the Federal trade Commission to file a report. 

A couple of months ago someone applied for unemployment benefits with the Oregon Unemployment Division in my name too. I had received a written request from the Oregon Unemployment Division for additional information via mail. I did file an on-line form with them stating I did not apply for any unemployment benefits. 

I have not applied for any credit cards, services or other loans except when I refinanced my home earlier this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to remove the Extended fraud alert from Experian and XXXX. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: PA

Complaint narrative:
I tried to use my pre-paid on XX/XX/XXXX and it was declined I called the company and was informed that my account was frozen because my account been compromised. I found that someone from their bank had sent a new card out to someone claiming to be me in the mail and when said person received the card they took out {$900.00} from my account.The employee never asked the person on the phone for any sort of ID and sent the card to an address in Massachusetts I live in Pennsylvania and my address is on account.Now they want me to verify that I am 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 2021-07-12 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I'm a victim of identity theft. I disputed " membership '' charges as well as credit card charges for two credit card accounts that were fraudulently associated to me. I have no knowledge of the transactions, and can attest to the fact that I did not apply for nor use any credit given to me by Navy Federal Credit Union. 

They have failed to provide me with any proof that I ever opened any accounts with them. They have further failed to provide me any details as to how they came to the erroneous conclusion that I am responsible for the transactions that occurred. 

I have provided them with a police report and multiple dispute letters. 


Please advise on how you can assist me. Thank you.

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 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I paid certified letters asking to remove from my credit file due to no evidence provided how debt validated. I havent received a response.

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 2021-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
My lease was up with GM Financial on my XXXX XXXX in XXXX of XXXX. At that point, COVID was at the height. You couldnt get a new car and I was an essential employee so I needed a vehicle because I had to go to and from work every day. They were sending out email, which I have copies of, that were offering extensions due to COVID. Basically it was on a month by month basis. During the time, I was paying the lease in full. I wasnt deferring the payments or anything. I was paying to use the car because I needed to use it. 

Fast forward to XXXX of XXXX. I finally was able to go get a new lease and turn the old one in. About 3 months later in XXXX I believe, I got a letter saying I owed money because I went over the allowed miles. When I called to dispute this I was told while my lease was extended, the miles were not. The person told me you have to separately ask to extend the miles. I explained why I needed the miles and couldnt understand why I would extend a lease without extend the miles. Why would I pay $ XXXX a month to let something sit in my driveway? They said that didnt matter. I was also told this was only waived for Doctors and Nurses which was insulting because I run a business that was just as essential during the pandemic and worked pretty much 7 days a week for 3 months. I was transferred to a supervisor who said nothing I can say will change this and I owe them the money. There is no way they are waiving the fees. 

I am now having issues with my credit and XXXX the problems is this bill. When I called them today, the woman on the phone wouldnt budge again. Claimed I " assumed '' wrong to think the miles would be extended with the lease. I asked if there was anywhere it said the miles dont get extended and she wouldnt answer. Just kept telling me I assumed wrong. Im pretty sure no one would think that in extending a lease, which INCLUDES miles each month, that those wouldnt be a part of it. I have emails they sent out where they offer to extend leases with no problem and nowhere in the email is it mentioned that the miles are not a part of it. I think its sneaky and shady of them to not mention that because I think most people wouldnt even think of it. 

I reached out to a lawyer today and it was recommended I send a complaint to CFPB. Ive attached the two Emails they sent at the start of COVID. Youll notice they gladly offer to extend the lease but nowhere do they mention you have to extend the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in the Equifax leak is what I have been told among many other leaks. My info is all over the XXXX XXXX. Since XX/XX/2019, I have had severe problems with all of my accounts, phone numbers, and emails being stolen. Not once, but continuously- it is still happening. 
Becasue of this I can not fight the situations or find a job because I am being attacked and my communications taken away. 

I know who the culprit is and I have proof, but the police refuse to do anything or even look at the proof. 

I have called and gone online several times to get my credit report and file a freeze but they require a phone number which I do not have because they are consistently stolen form me. If I buy a new one, the sim card would stop working that day or next day, I am being stalked and though not completely ure why they follow me to the store so I think they keep track of how much I spend or else are somehow ripping me off. 

Our bank cut us off and doesn't want to do business anymore, but refuse to explain why and say the matter is closed and they will never tell usm, but we have so much money stolen and we need it back. 

It is an impossible situation and noone will help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to remove the Extended fraud alert from XXXX and Equifax. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.

Company response to consumer: Closed with explanation