vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
I got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.

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 2021-02-24 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: GA

Complaint narrative:
I got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwood Asset Management Group
State: MO

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Additionally, previous dates in XXXX which are being reviewed. 
'Mrs XXXX XXXX, as she likes to identify herself, using masked phone numbers to disguise her company has repeatedly contacted me, refused to disclose her real company, refused to disclose the source of the alleged debt she's calling about and demanded payment for an alleged debt. She has also left numerous voicemails stating the same claiming that my 'time is running out ' and that she will also speak to 'third parties ' in order pressure me into giving her money. Upon investigation it was discovered that Mrs XXXX works or may work for Northwood Asset Management in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
I had ordered furniture from Ashley Homestore online in late XXXX of XXXX. That furniture was delivered on XX/XX/XXXX and charged in the amount of {$1400.00} to my Synchrony Account. Ashley then attempted to deliver the same furniture again on XX/XX/XXXX but I told them I already received all of my furniture. Then, a 2nd charge of {$1800.00} was added to my Ashley Furniture Synchrony Account on XX/XX/XXXX. When I noticed this 2nd charge on XX/XX/XXXX and I informed Synchrony that this was not a valid charge. On XX/XX/XXXX, Synchrony informed me that the dispute was resolved, however the charge remained on my account. In the documentation they provided, Ashley used pictures of the furniture that had already been delivered as justification for the 2nd charge. I then contacted the Ashley store referenced in the documentation. She was able to determine the delivery team had stated that I accepted delivery of the 2nd set of furniture even though I did not. Once she realized the error, she informed me that my account would be refunded and I should see it reflected on my account in the next 2-3 statements. After the refund never appeared, I again contacted the same person at Ashley. She told me she didn't know why the refund never went through but that it would shortly. This back and forth continued every few weeks from the XXXX of XXXX until today. I contacted Ashley on XX/XX/XXXX because the open balance was still on my account and negatively affecting my credit. She informed me that corporate was issuing a refund that day and that I would be sent a confirmation email. I again contacted Ashley a week later on XX/XX/XXXX, because I still had not received an email or a refund on my account. She said it could take 7-14 days for the refund to process and she took my email address again and told me that she would make sure I got sent the confirmation email. Synchrony then marked my account as late and began charging me interest and late fees which severely impacted my credit score. I called Synchrony to inform them again that they need to remove any late fees as well as remove and fix the negative marks on my credit score. I told them that a refund should be processing from Ashley but they did not see it on their end yet. It is now XX/XX/XXXXand the refund from Ashley should have been processed however it has not. I have attempted to contact both Ashley and Synchrony and both are hanging up on 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 monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX XXXX with my mother s XXXX FAMILY DISCOUNT, MET WITH XXXX XXXX AT XXXX XXXX I SIGNED PAPERS BY MYSELF, THEN WE XXXX XXXX PUT PLATES ON THE CAR THEN DROVE OFF NOT KNOWING HOW MUCH A MONTH THIS CAR MONTHLY PAYMENTS WOULD BE, XXXX XXXX STZTED HE COULD NOT KNOW THE BANK WOULD TELL ME SOON AND DID NOT TELL ME A CONDITION CONTRACT MEANING I COULD NOT MAKE XXXX CAR NOTE WEEKLY PAYMENTS, CAR LATER STOLEN AND WHEN I CALLED TO FIND OUT THEY WOULD NOT TELL ME WHERE THE CAR WAS AND WOULD NOT LET ME PAY FOR ITS RETURN, REASONS WAS ITS NOT MY CAR, ITS XXXX XXXX CAR AND ONLY HER THEY WANT TO TALK TO AND NOW THEY CHASE HAS BEEN ON MY CREDIT REPORT 7 YRS AND I MADE {$100.00} PAYMENT PLAN TO SHOW IM COMMUNICATION WITH THEM EVEN THOUGH THE TREATED ME HORRIBLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion and XX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
AmeriSave Mortgage promised a 2.5 % 30-year fixed mortgage rate on a {$760000.00} loan with a closing fee of {$2700.00}. Their process went on for almost 5 months ( XXXX ) during which my closing fees increased first to {$5600.00} and then to {$9900.00} with no explanation other than, on the first hike, that they had made a mistake and did not factor a Home Equity Line of Credit ( HELOC ) subordination. This HELOC was clearly disclosed at the beginning of the loan process. I even pre-paid a {$300.00} fee on XX/XX/XXXX. I was promised this inflationary error would be corrected over and over again ; see first confirming XX/XX/XXXX email to XXXX XXXX. I was asked for additional documentation, over and over again with the same documents being requested two, sometimes three times. Each document request was promptly provided within a day. All the while the months were ticking off and I was losing $ XX/XX/mo in mortgage payment savings. At the end, they decided that a temporary drop of 10 % in business income justified their declining my loan, after 5 months of supplying them document after document, countless emails, phone calls ( many of which were never returned ). There are few businesses, if any, that enjoy a constant income stream ; business income routinely fluctuates sometimes much more than 10 % month to month. My credit score is XXXX. I have over {$4.00} XXXX in investments and {$500000.00} in liquid assets and close to {$2.00} XXXX equity in my home. So, arbitrarily deciding that a temporary 10 % drop in business income is grounds for my loan denial would appear disingenuous at best, fraudulent at worst. It is my opinion that they did not want to honor their original {$2700.00} closing commitment. AmeriSave has a history of bait-and-switch activity paying a {$19.00} XXXX fine in XXXX for just this type of activity. Nothing appears to have changed and, personally, I would avoid this company at all costs.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I XXXX  cash app customer service number this number was XXXX XXXX XXXX XXXX. I spoke with a young man we got disconnected I called back another another man answered he started helping me and told me to download an app called XXXX. With this App he was able to look at my screen the young man told me to go in my cash app then asked me " who do I bank with '' my reply was XXXXXX/XX/XXXX. He then told me to open my mobile app and he told me we were going to do a XXXX quick pay of {$200.00} to see if my account was interrupted by anything. He then took the money then when I asked can he send it back he told me I would have to give him 3 minutes. So he went on to ask me to tell someone to Cash app me {$100.00} dollars because my cash app was not working properly. After I told him no he said well okay he will send my money and give me a confirmation call but he never called I called them back numerous times and he repeatedly hung up in my face and antagonized me and my family by calling us back. Colleague then tried to act as tho he wanted to help then told me to cash app {$86.00} a name called XXXX XXXX when done I done I also asked for my money back and he refused to send me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: SC

Complaint narrative:
I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XX/XX/XXXX was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In about XX/XX/XXXX my loan was sold from XXXX XXXX to SPS servicing. 

Prior to my loan being sold I had renegotiated lower insurance rates and the old insurance company had returned premiums to nation star. 

At the time the loan was sold nation star did not transfer this amount over with the escrow to SPS servicing. 

When I made nation star aware of it they transferred the funds to SPS fire a check payment that was sent via XXXX and signed for by SPS. 

Despite multiple calls to SPS trying to track this money, they assured me they did not have it. Because there was now a shortfall in my escrow account SPS servicing has raised my monthly premium. 

Last week during another call to SPS trying to resolve this they told me that they have had the funds since XXXX and have applied to principle. 

This is incorrect because it is escrow money not principal reduction money. 

They said they had no instructions from XXXX XXXX and did not know how to apply it. 

So instead of contacting me the owner, they decided unilaterally where to apply it. 

When I asked him to please resolve the incorrect payment and apply that amount to escrow they have refused. And said it is too late because the funds were applied in XXXX and its now XXXX. 

This is not my problem that they misapplied the funds. 

XXXX told me that they clearly marked that the check was escrow and why it was sent separately because of insurance premium reduction. 

This has raise my monthly payment. During these times it has put a strain on my financial position and this is unfair and its put me in an unfair position because they dont know how to manage the escrow account correctly. I need SPS servicing to apply those funds to the escrow account so that my premiums are reduced. 

I have informed SBA servicing that Im going to continue to pay my normal payment and I will not be liable for any late fees because they have not resolved the escrow amount correctly. 

SPS servicing had mishandled the escrow funds they received from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I was in a car accident/collision in XX/XX/2020 in which my car was deemed " totaled '' because my parked car was hit by a drunk driver. My car insurance company, XXXX XXXX, and Exeter Finance LLC were in communication with each other and I was told that I wouldn't have to make my monthly payments anymore because it was being paid off in full by my insurance company. Exeret was unresponsive with myself and XXXX XXXX and as a result received the insurance proceeds late - which was no fault of my own. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I have been trying unsuccessfully for over a week to obtain the payoff amount for my mortgage I have with planet home lending to no avail. I have submitted proper request and called them today to be treated rudely and talked down to. I have never missed or been late on any payments. Was told my information was inaccurate only to be reviewed by a supervisor and he seemed it was correct still no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
I closed on my property XX/XX/XXXX. There was excess interest that was collected and {$550.00} is owed back to me. I called on XX/XX/XXXX inquiring where the check was and was told it was mailed back in XXXX. Called again XX/XX/XXXX and again was told another check would be sent. Tried calling again today, 30 minutes on the phone and they have no answers. My mortgage statement never had a problem making it to my mailing address on time, so why hasn't the check been returned? Please help. This is with SLS Servicing.

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 2021-02-24 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: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Filed complaints with FTC # XXXX. Select Portfolio Servicing is not the legal rights to service this loan and currently reporting inaccurate information on my credit report without documentation violate the FCRA, FCDPA AND RESA LAWS!!! The refuse to give me a modification or forbearance under the CARES ACT and trying to sale my home although they are not the PRIMARY LIEN HOLDER AND MY HOME IS APROVED HOMESTEAD IN PENNSYLVANIA. This HOMESTEAD LAW states the only the primary bank can foreclosure NOT secondary banks. XXXX XXXX  does not have any legal right to have SPS PROVIDE SERVICES AS THEIR COLLECTION COMPANY. They are committing FRAUD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the Equifax Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the Equifax security Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: IL

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my 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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC
State: FL

Complaint narrative:
Several weeks ago I contacted the Nelson Cruz and Associates company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX  report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.

Company response to consumer: Closed with explanation