vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} 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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: MN

Complaint narrative:
I have applied for a Synovus Bank First Progressive credit card numerous times and each time, my application for credit was denied by Synovus Bank. Synovus Bank is discriminating against me and denying me credit due to my race, color and national origin. Synovus Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) under federal law 15 U.S.C. 1981.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have mailed out a letter and called them Equifax! When i called they said they never got my letter .. when i mailed my letters i never got a response. Ive got letters from XXXX XXXX  inquiry date XX/XX/XXXX stating the inquires should be removed and they still showing, XXXX  XXXX inquire date XX/XX/XXXX the company never replied back to the XXXX  within time and needs to be removed per FCRA, I also got a letter from customer one stating the inquires should be removed and they still reporting it this is a violation per FCRA and should be handled promptly. I FEEL LIKE THE EQUIFAX COMPANY IS BLATANTLY NOT RESPONING TO MY LETTERS AND REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
Hi, I was graciously accepted to open up a line of credit with your business. I made sure to always make my monthly payments on time. Unfortunately due to COVID-19, I fell on hard times and was late making a payment in XXXX 2020. I am asking for a goodwill credit bureau update to remove this late reporting. As soon as I was able, I brought my account current and even paid off my installment loan. I am in the process of trying to qualify for a home loan to provide a future and solid foundation for my children and this late payment is negatively impacting my credit score. Please know I am NOT disputing the reporting but only asking if I can be granted a goodwill credit bureau update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX2020 I purchased XXXX XXXX XXXX used car fr XXXX  XXXX  XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX SALES PERSON SAID YOU ARE APPROVED CAR LOAN HE SAID HE DON'T KNOW FOR RATE & INTEREST WHEN WE FINALLY FINISHED paper work i find my cr scores was XXXX they charged me 19 % interest i couldn't believe it i said my self when I go home chk my cr score again I come home I checked my self my cr scores was XXXX XXXX  XXXX XXXX XXXX XXXX XXXX i called DEALERSHIP 3 times to fix this problem they didn't do & said anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
There is a Derogatory Account being put on my credit report from XXXX, it was reported XXXX XXXX, 2020. I have never had this account opened. I reported this and it was closed and it re opened and is back and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am an XXXX XXXX, where my job was affected by COVID-19. I am a veteran, and I could apply for forbearance on my home due to COVID-19. Once accepting the forbearance agreement, I was told that the payments could be placed at the end of my loan or continuation of the payment suspension. I was told you could not get the forbearance due to COID-19 unless your payments were current. I bought my account up to date before agreeing. The 1st letter I received advised me to move the payments to the back of my loan. On XX/XX/2020, I called Wells Fargo and spoke with a mortgage agent to see what my options were as I was getting ready to come out of the forbearance agreement on XX/XX/2020. The Wells Fargo rep advised me that the missed payments could be placed at the end of my loan. I called Wells Fargo again in XXXX as I could extend the forbearance agreement 3 more months and was told I could not move the payments to the end of my loan due to not being current as of XX/XX/2020. The VA changed this. When I asked when the VA made this change, they could not tell me and would have to locate the information and mail it to me. They advised me that due to the Wells Fargo rep providing incorrect information, they could not help me move my payments to the end of the loan. They could only reprimand the rep, and I would have to speak with another department to look at payment options. The VA told me to try to work it out with Wells Fargo. I was never advised when the option to place my owed payments at the end of the loan was no longer available.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
XXXX XXXX  XXXX Trustee for XXXX XXXX XXXX Title Trustee and XXXX XXXX are trying to foreclose with a modification breach of contract that the Servicers of XXXX XXXX, XXXX XXXX XXXX and Rushmore Loan Management have caused harm and pushed us into default and possible foreclosure by using the incorrect figures on the permanent modification dated XX/XX/XXXX with escrow balance figures from XX/XX/XXXX that is a breach of the modification contract in paragraphs 3 A. B and C. 

This complaint is being filed against all of the actors listed below in reverse date order. And we demand a reply to CFPB from each and every one of them. 

XXXX XXXX  XXXX Trustee XXXX XXXX  XXXX Title Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Rushmore Loan Managament XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.

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 2020-12-04 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: CA

Complaint narrative:
I applied for a XXXX  XXXX credit card in XXXX of 2020 and made a purchase at that time and the items i placed the order for were all on back order until XX/XX/2020. I had canceled most of the items on the order because i found the items elsewhere. I left 2 desk chairs on my order that i still wanted, however those were still on back order and i was still waiting on them. Comenity bank billed me in XXXX and i called to ask why i was being billed for items that still showed on back order and i had not received yet. I didnt understand how i was expected to pay for something that was on back order. The representative at the time could not give me an explanation as to why they had done that and my items at that time were still on back order. To avoid being billed i asked them to cancel the order because I didnt want to pay for a product I didnt have and was not available. They proceeded to cancell my order however they continued to bill me for items that i did not have. I have called them several times to resolve the issue and end up spending over 2 hrs on each phone call and i have probably called about 5 times in which comenity and pottery barn kids have both told me the problem will be resolved internally and I should not worry about it. Then i end ip getting a bill again to a product that 1. ) was on back order 2. ) I canceled 3. ) I never received the product but they keep billing for it. Im very frustrated at this point. I have filed 2 complaints with them and they have gone nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
My girlfriends mom gave me a Netspend Debit Visa in XXXX XXXX with XXXX dollats in funds. The label on the card stated that TO ACTIVATE : download the Netspend Mobile App or go to netspend.com/activate or dial XXXX. I attempted activating the car online in XX/XX/XXXX. I received a message stating that I needed to call customer service. I asked my girlfriend to call the number provided on the card to activate it. The phone number on the card showed as XXXX. When my girlfriend called XXXX on XX/XX/XXXX, the customer representative asked for the last four digits on the card. After receiving the last four numbers, XXXX, the representative told her that the balance on the card had expired. The representative stated the card had a balance of {$0.00} dollars. My girlfriend replied how has the card expired if the card states good through XX/XX/XXXX. The representative stated that the date XX/XX/XXXX is the date that applies to the store being able to sell the Netspend Debit Visa at the store. The representative stated that the funds had already expires. I submitted a customer compliant via email on XX/XX/XXXX to XXXX. I have reviewed their terms and conditions available online. 
A XXXX XXXX expires one hundred and twenty ( 120 ) days from the date you successfully activate it. Until its expiration, funds may be added to the Temporary Card using only the in-store cash value load methods described in the paragraph labeled. 
Source : https : //www.netspend.com/account/terms/BOI_MC_Quick_Access % XXXX I have concerns about how Netspend defines activation on the product label. Based on the product label, a reasonable person would come to the conclusion that the card is not activated since he/she has not called the phone number, accessed the website or downloaded the app on the label. I believe that by having on their website, but not the product label that the expiration is 120 days, they are enriching themselves using other individuals funds.

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 2020-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Re:1. I have never been late with payments on this account. 
CAPITAL ONE AUTO FIN Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I applied for an auto loan a few years ago and was informed that I had a car loan with Credit Acceptance. After investigating, I realized that it was my sister 's loan. She stated that she listed me as a reference and no a co-applicant. I have disputed it with the credit bureaus and through the Federal Trade Commission but still have not resolved the issue. I received a copy of the installment contract and signatures were submitted electronically. I have not paid on this loan and it is currently under my sister 's bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: NY

Complaint narrative:
On my Experian credit report there are a few items that are unverifiable and unauthorized. I have about 3 inquiries that do not belong to me. 

The inquiries are : XXXX XXXX ( Mortgage Reporters ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX According to the FCRA if there are unverifiable and unauthorized items on someone's credit report, by law, they must be removed

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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
NewRez aka Shellpoint Mortgage has not paid any insurance or taxes from my impound account for one year now. Repeated calls get me nowhere. The people on the phone are completely useless and only read their scripts, never follow through and quite frankly have no business even talking to consumers. I am now looking for an attorney as they will not response to or resolve any issues I have. They are at fault 100 %. My house was 2 hours from getting a property tax lean and I had to pay the tax which were already impounded to prevent this. To make matters worse they increased my payment by 30 % to get more money into the escrow account. They are quite simply stealing my money which in my opinion is gross fraud and illegal practices. Mortgage companies must be accountable. If I miss a payment they ruin my credit and take me to court. This company must be taken over by the regulators. It is simply appalling that a company can operate in this manner, and not be accountable to anyone. They have had more complaints than any other company for months now. How is this allowed to continue! I have found hundreds of people posting similar complaints. Where is the oversight?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Caliber home loans serviced my loan from about XX/XX/XXXX to XXXX. I know 100 % they messed up my escrow account. They either paid my property taxes twice. They either took the overage of extra payments of {$150.00} because of a shortage. After 2-3 years with me paying an overage they sold my loan to XXXX XXXX  and no one can explain why I am in the negative with my escrows. I don't have the time to dig up through files and waste my time over this. I am eventually going to pay off the mortgage and never deal with an escrow/impound account. Caliber needs to be investigated regarding their servicing department. I know 100 % I am not the only person that has dealt with this. 

Something fishy and shady is going on with. It is either the city of XXXX XXXX MI, or Caliber home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT

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 2020-12-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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