vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-04-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: MD

Complaint narrative:
I got a couple of months behind on my 2nd mortgage due to moving my mom XX/XX/XXXX into a XXXX  building and dealing with XXXX XXXX since XXXX. I started XXXX  XXXX received a XXXX XX/XX/XXXX and spoke to the mortgage company of my situation. However, they would offer solutions that I couldn't meet and I refuse to agree to something I knew it was impossible for to meet due to my mothers income is used for her care and my short pay/no leave in working due to XXXX 3  days a week and being out for my XXXX XXXX. To this day they still will not allow give me an offer that is acceptable that I can meet. I sent an email the CEO down to financial counselor on XX/XX/XXXX. He responded on XX/XX/XXXX, stating they assisted me in XXXX, XXXX and XXXX. I tried to email them all again today XX/XX/XXXX, only to find out all the email address have been changed/blocked and I can no longer reach them via email or phone. I spoke with the financial counselor today XX/XX/XXXX to make a counter offer. They wanted me to pay {$1100.00} by XX/XX/XXXX and they pay XXXX and XXXX. I would start fresh in XXXX. I know I can't come up with that amount during this time of uncertainty. So I counter offer and requested that the {$1100.00} be put on the back of the loan, their agreement would still stand with them paying XXXX and XXXX, that would allow me to start afresh in XXXX with making regular payments. They would not accept nor would they discuss any other options with me. I stated to then I could NOT accept an offer I know I couldn't do. I didn't think my offer was unreasonable. I just need help to get restarted. XX/XX/XXXX I was one payment behind. The government was shut down XX/XX/XXXX to XX/XX/XXXX no pay for government  of contracts  during that time. XX/XX/XXXX I was 3 payment behind due to the shut down email XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$250.00}. I made a payment for {$450.00} XX/XX/XXXX. XX/XX/XXXX I mailed a payment of {$400.00}. XX/XX/XXXX payment of {$250.00} was made and XX/XX/XXXX a payment of {$630.00} was made. I have been trying to catch up but due to everything that is going on it's impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Company is reporting innacurate personal information. I tried to dispute online and it blocked me from doing it.

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 2020-04-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
hello, i have a capital one credit card. my payments were not being updated on my XXXX  report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my capital one account. the account is still active and being used. the deletion does not show on my XXXX  report, only XXXX. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with XXXX, who sent me to capital one, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: NC

Complaint narrative:
I have requested the following information from GLA for several years and still have not received an answer from them. I believe this said debt is not mine as they have not provided proof of the said debt and the original creditors have no record of my name on file. GLA continues to keep it on my credit reports without providing the requested proof and documentation of said debt. 

There is an alleged debt on my credit report from GLA for the following : {$360.00} from XXXX XXXX {$290.00} XXXX  XXXX  XXXX {$150.00} XXXX  XXXX  XXXX  XXXX  I have reason to believe I do not owe this debt because I have never had an account with that creditor. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt including my original signature as guarantor. 
4. Documentation showing you are licensed to collect debts in North Carolina.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Good Afternoon, My name is XXXX XXXX, my family and I have been trough a tremendous hardship, both my husband I have medical issues. I was diagnosed with XXXX first and shortly after my husband was diagnosed. We tried several times to no avail for a modification and then tried to sell property as a short sale. Lender claims that since 2 appraisal was done and they can not do any more as per HUD guidelines. The problem being property value has decreased significantly and last appraisal was done over 6 months ago. The last appraisal came in at such a high value as well with no decrease based on the property damage and repair. I am asking for some help for them to just send another appraiser over so they can see themselves the property condition and value it accordingly. Last appraisal came in for {$XXXX}. I'm attaching the value sent by a XXXX. This value is based on no damage to the property. Please I am asking for some help. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CO

Complaint narrative:
On XXXX XX/XX/2020, I applied for a loan with XXXX for a student loan refinance. The lender denied my application for the following reason : Your credit score : XXXX Date of score : XX/XX/2020Key factors that adversely affected your credit score : Lack of recent bank/national revolving information ( I have 2 XXXX  Credit Cards  on my credit ) Length of time accounts have been established Proportion of loan balances to loan amounts is too high ( My Credit usage is 1  % ) Serious delinquency ( None ) Per Experian member in addition to reviewing a copy of my Experian report, none of these negative factors are present on my credit report yet these negative factors are reported to lenders I have 2 national revolving credit cards from XXXX XXXX XXXX My length of credit history is 18  years Proportion of loan balances to loan is low. My Credit usage is 1  % I have no serious delinquency on my credit I contacted Experian and the customer service agent confirmed that none of these negative factors are on my credit report. Yet Experian did not offer any remedies to correct these discrepancies. Experian offered to send me another hard copy of my credit report which I already have. This discrepancy has impeded me from getting the refinance loan for which I applied. 
Thank You

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 2020-04-27 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: LA

Complaint narrative:
inquires FTC violations fled to the federal trade commission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  all filed to the ftc XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted  XXXX  XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful iconSubmitted Always know what's on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}

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 2020-04-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wrote a check to a payee and mailed it to the payee on XX/XX/XXXX, the check was cleared on XX/XX/XXXX. The payee informed me on XX/XX/XXXX that he never received the check. We submitted a request to Chase bank regarding the lost check on XX/XX/XXXX but as of XX/XX/XXXX we are being told every time we called the bank to check on status that the clearing bank XXXX XXXX XXXX XXXX XXXX has not responded to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Franklin Collection Service has reported a collection to the credit bureaus. They are alleging that I owe {$540.00} to XXXX, the supposed original creditor. I've never had services with XXXX. They placed this erroneous debt on my credit report which is tarnishing my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX I was facing a foreclosure. I was working with the bank to stop the foreclosure. I had a family emergency and when I retured home my house was locked with a pad lock. I called nationstar/mr.cooper to report this at the time XXXX XXXX  was helping me he gave me the pad lock information to go into my house. Upon entering there was things missing I told XXXX that things where missing I let him know that the patio door was bolted and damaged. I followed the steps he told me to but was denied any repairs and funding. I was working on refinancing my house but turned into a modification I was told my ex husband was going to be removed and my ex husband was told the same. My ex husband was trying to sue me over this mistake made by the bank. I have been trying to refinance since this mistake and now XXXX I'm calling constantly and I'm being told my account was closed due to someone leaving a department and not filing my case correctly. Or I'm having like 3 people in a month who make me repeat why I want to refinance my house. My credit is being pulled 2x to 3x a year. When I call I'm being told that my income will be verified or that they have to ensure my income can be used. I was told that they would contact my credit to let them know that few hard inquiry need to be removed, yet they have done nothing at all to fix this. I've been dealing with too much to keep having people brush me off. My income was the only income that I had in XXXX to modify my loan. My ex husband was clear about getting his name off. Now I'm facing him wanting to sue me for a mistake I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
my payments were on autopay but somehow the payment didn't go through ive had this account for years and all my other payments have posted

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 2020-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This was done on XX/XX/XXXX and was written to about this matter. Bank of America told that there would be an investigation and that I could not open any checking or saving accounts. The investigation took a year and I was given a letter stating that " opening checking and saving accounts are permitted '' to me. The amount was XXXX and it was from a closed account in which I had no knowledge. I have already spoken to Bank of America and they are supposed to send the letter within one to three business days. This complaint is to conclude this letter is sent for me to open checking and saving accounts and not to wait for the XXXX of XXXX of XXXX. This date was not told to me until I investigated this issue upon the XXXX  of XXXX of this  Year. I met with a Bank Associate and was told that this would be undone on the XXXX  of XXXX of XXXX. I need this copy of the letter stating " opening of checking and saving accounts is permitted '' to me. This issue was settled in XXXX.

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 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I got a car loan in 2014 I am about to pay of loan off 5 months early. I called Santanders USA to see how much I had left to pay and to find out if this loan would go on my credit report. I went to look a cars a few months earlier and was told that it was not on my report. I was told by Santanders that my co buyer went bankrupted and because of that it would not be reported to the credit bureau on my behalf but that they could send me a receipt for the {$22000.00} I pay for the car. I myself have made all payments for this vehicle each month as the buyer never has the co buyer even been contacted in anyway or made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
The total loan is {$5500.00}, we got it on XXXX, 2019, and XXXX we sing documents they said the interest rate should be some %, but we notified after 6 months doing payments of {$400.00}, each month, that the principal amount of the loan paid is only {$1700.00}, that means in 6 months we paid {$1100.00} in interest, I feel it is very high interest charge, if you guys can help to verify if this company are doing this high interest charge under the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wire {$1000.00} to a person with his current Phone number XXXX XXXX XXXX XXXX named XXXX XXXX. He saw the text sent by XXXX but he does not have an account with Bank of America nor used digital transaction. I asked the Bank of America and XXXX to reverse the money back to my account but refused saying it will take 10-45 business days to complete the transaction. The money came out of my XXXX  account ( XXXX XXXX XXXX XXXX, XXXX  ) and at present time I am closed due to pandemic COVI 19. No revenue coming in to the business. That long delay will course other obligations that I need to do be put aside causing me late fees. 

This the transaction details from the Business Bank of America site. 
XX/XX/2020 Completed Outgoing Transfer Business XXXX   Chk - XXXX XXXX  - mobile {$1000.00} Actions Transfer date : XX/XX/2020 Confirmation number : XXXX

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