vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have reached out to Transunion multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/XXXX DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED

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 2021-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
Sunwest mortgage bank, repeated checking my credit. They did not do a look or soft pull, Sunwest made my scores go down drastically. Than told me you cant get the loan anymore because of your score. I called all 3 credit agencies all 3 stated the inquiries from Sunwest made my credit score drop. So Im stuck with a low credit score and no loan. My entire experience with this Bank has been nothing but excuses and reasons not to give me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Motor Finiance has failed to report my loan as satisfied to the credit bureaus. This was a 5 year loan that was paid off approximately 1 year early in XXXX of 2020. All three Credit Bureaus ( XXXX XXXX, XXXX  and XXXX  ) are showing an account balance of XXXX still pending.

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
Dear CFPB, In XXXX of 2021 I called GM finance and informed them because of covid I would be out of work for a few months. I informed GM for covid forbearance for my truck payment. And they informed me that there would not be late payments until I reached out again. During this time I was seriously struggling to feed my family because of a job layoff.

I would like GM finance to honor their word that they gave me. Their lack of action make me feel taken advantage of by GM finance as I have recently gotten out of the XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
An account was opened fraudulently under my name with an unknown consumer and XXXX XXXXXXXX XXXX. After addressing the issue with XXXX XXXX XXXX, they stop reporting the fraudulent account and closed it. LVNV Funding LLC has been reporting the same alleged debt since XXXX. XXXX XXXX XXXX has recently reached out to myself and the CFPB that they do not have any association with LVNV Funding LLC, nor have they sold the debt to LVNV Funding LLC. After several written requests sent to LVNV requesting they provide proof of my signature in respect to alleged claim/contract and other relevant documentation that I, as a consumer, am entitled to under Federal Law ; LVNV Funding LLC has not validated the alleged debt and still continues to report it to the credit bureaus, particularly XXXX  I have also contacted the Consumer Financial Protection Bureau with complaints against al parties involved, including XXXX an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
In XX/XX/2019, I received A line of credit for PayPal. Over the past several weeks, I have decided that I would like to close the account, however, when I called the number, it does not work. The number specified on the PayPal website is : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank failed to protect my nonpublic information from non affiliated third party, they sold my nonpublic information to a debt collector ( XXXX XXXX ) who has been threatening/ harassing and gained unauthorized use to my records of information which resulted in substantial harm and inconvenience to me as a consumer. pursuant to 15 usc 6802 ( e ) ( 7 ) shall not prohibit the disclosure of nonpublic personal information in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of nonpublic personal information concerns of the consumers

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Skrill USA, Inc.

Complaint narrative:
Good morning, I'm a XXXX male citizen. I'm having problems with verifying my documents. I chose united States when I was that side yet I'm still having challenges. Could please me verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have a car loan with Ally financial and they have not been reporting to my credit report every 30 days I have called about this numerous times. I called Ally on XX/XX/XXXX and they stated over a recorded line that my payment statement had been sent to all 3 credit bureaus on XX/XX/XXXX and it would post in 3 to 4 business days. My car payment has not been posted to the credit reporting agencies since XX/XX/XXXX which cause inaccuracies on my credit report in which is a direct violation of the FCRA in which my car payments should be reported to all 3 credit bureaus every 30 days. Because of this it has cause a 30 day late. With XXXX  30 day late on XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX all of these dates are inaccurate and I request that these late entries be removed and my most recent payment billing statement be reported to all 3 credit bureaus.

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 2021-08-18 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: GA

Complaint narrative:
Equifax continues to report inaccurate=fraudulent inquires on my credit report. I have submitted numerous ftc reports, written numerous letters, called multiple occasions, about three to five fraudulent inquiries still on my credit report, I have received letters from Equifax stating that they deleted the inquires, even still they are on my Equifax credit report. Equifax and there shady business practices need to be looked into. Equifax remove these inquires now! I have documented and attach below all proof of my words.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I paid fees to Quicken Loans to lock-in a 1.99 % interest rate for a refinance in XX/XX/2020 from a 30-year fixed to a 15-year fixed mortgage. I was told this rate was guaranteed until XX/XX/2020. The process for the refinance was terribly slow and XX/XX/2020 passed with no updates regarding the rate-lock expiration. Up to this point, I was pleased with the service I received, although it was very slow due to Covid, as the mortgage banker explained, therefore I tried to be patient. My mortgage banker did state, during the times that we spoke about this, that I could receive a courtesy rate-lock extension. 
On XX/XX/2020, a closing officer called me to discuss a new rate-lock agreement that required me either to pay an additional {$1000.00} or to agree to an increased mortgage interest rate to close this loan. I had not spoken with this closing officer before and I was taken aback at this persons rushed demeanor, especially as no one seemed to rush in the months I waited to close. I was told that the cost to re-lock the rate increased over time and the lender cant lose money. I explained that the expiration of the rate lock was due to their inefficiency, as I had all documents prepared, and questions answered, months ago with no additional items pending up to that point. 
I added that I might consider cancelling, as this process took four months when it was said to be approximately three to four weeks, to my recollection. The officer told me that if I cancel the refinance, I would lose the good-faith deposit that I paid, so I begrudgingly agreed to accept the {$1000.00} additional cost. I tried to invoke the courtesy extension that my mortgage banker offered to me prior to the rate-lock expiration, but I could not get in contact in time. 
I am very upset at this and I am under the impression that they allowed the initial rate lock to expire so that they could charge more than what was originally agreed to under contract. I was ecstatic at the low rate I received, and I was excited for what was to come, but this closing experience tampered with my impression of the company. I have no evidence that this type of closing is a regular practice of theirs, but it sure does feel like it! It has been nearly a year and this still makes me very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion continues to report information that can not be validated by collection agency. I've provided proof from the court for case vacated judgment/dismissal and this does not serve as enough proof that debt is not validated. 

TransUnion, after speaking with 6 agents in one day says that the verification process includes name, address, social security only. There is no information to support the debt, amount, or any supporting information to claim that collector has right to perform debt collection services for debt. 

This process has taken more than 30 days and the credit reporting agency is requiring to file yet another dispute for information that I've provided proof that the debt is not 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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MS

Complaint narrative:
I notified LexisNexis that they illegally obtained and furnished data to XXXX  in regards to a bankruptcy. This information is inaccurate and false and needs to be removed immediately!!!! 
I spoke with Agent XXXX about this matter and she acknowledged on a recorded line that the bankruptcy information was inaccurate and needed to be removed! She supplied me with case number XXXX to follow up with my dispute and removal of the falsely reported information. The bankruptcy courts do not report to credit reporting agencies and have provided information via an online statement that says that they are not a data furnisher!!! This is a clear violation of 15 usc 1692e!!!! This also violates 15 usc 1692d and 15 usc 1692g!!!! LexisNexis is civilly liable to pay XXXX per violation according to 15 usc 1692k!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 my wife tried to deposit it check in both of our names in to my account and she was denied services because her name name was not on my account, but she was allowed to deposit the check into her account. This did not make sense to me. I do not know if my wife lied about the transaction or the bank helped a woman over a man. The bank did not give me a acceptable answer.

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 2021-08-17 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:
There was not a proper investigation. I was told accounts was verified. They failed to provide with a copy of any viable evidence anything bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I emailed PHH asking why I received a delinquency notice. 
On XXXX they advised {$460.00} was paid in XXXX of XXXX. 
On XX/XX/XXXX I sent them a photo via email showing that {$5300.00} was due and the amount they paid was not sufficient. 
On XX/XX/XXXX they advised the bill is a supplement tax and is my responsibility. 
I have not added any square footage to the house or a pool so I do not see how that is the case. Each week they keep saying they need more time to resolve. 
Now I am getting penalty fees from the county. Two months and nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
In regards to UPSTART I am disputing there 30 days late. First I have had nothing but issues with this company in such a short time. On XX/XX/XXXX they contacted me saying my bank account was frozen. I then kept trying to pay them and emailed them at least 25 times. They said I need to verify my bank account again. It would not verify with their plaid for some reason so finally it verified again on XX/XX/27 using 2 deposits they sent then withdrew. I then immediately paid. Yet they claim that I was being charged a XXXX late fee. I disputed this because for over 2 weeks I had emailed them over and over again to verify my account just to make a payment!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
On XXXX, XXXX, XXXX I disputed the following accounts directly with EXPERIAN for validation and removal ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Each time EXPERIAN responded, they CLAIMED they investigated the account and verified it but failed to provide me with the proper documentation necessary to validate such items, from my understanding if an item is not validated/verified lawfully within 30 days then the credit reporting agency must delete said item. But as of today XXXX each item is still being furnished unverified to my consumer report 158 days after my initial correspondence to EXPERIAN. I decided to take my dispute efforts to remove these items a step further and sent EXPERIAN a letter stating they violated the law because they did not have my written consent to furnish any information, as a result they ignored the law, cease and desist and affidavit of truth I sent and sent me back boilerplate notice that the items were verified. I didnt ask for verification in this particular dispute so that tells me theyve been completely disregarding the contents of each dispute and sending an automatic response. Furthermore I decided to do a UCC-11 search on myself to see if I did have any debt registered under my name, and the results directly from the Georgia Superior Court Clerks Cooperative Authority proved as of XXXX I have no records of debt registered under my name, therefore each account listed above is being furnished illegally and harming my ability to obtain credit.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I canceled on XX/XX/XXXX and was told I would get a refund of {$190.00} for the 8 remaining months that I prepaid. I was given a case # XXXX and was told six times that the case was escalated and that my refund would be on the same credit card that I was charged {$290.00} on XX/XX/XXXX. Every time I call which has been over 12 times since XXXX they tell me that someone made a mistake and that in XXXX days I will be refunded {$190.00} but it never happens. 

From Equifax on XX/XX/XXXX Dear XXXX, We have received your request to cancel Equifax Complete Family Plan. Your product will cancel on XX/XX/XXXX, which is the end of your current subscription month, as determined by your purchase date. For example : If you purchased your annual subscription on the XXXX of a month, and you cancel on the XXXX of a month, your cancellation will take effect on the XXXX of the next month. You will receive a refund for any fully unused months in your annual subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX, I inquired by phone from my loan servicer Freedom Mortgage as to who financially backed my loan. XXXX : Teller ID # XXXX confirmed that our mortgage was backed by XXXX XXXX XXXX  XXXX. XXXX XXXX. After reviewing the forbearance option for a loan backed by XXXX I decided to request a Mortgage Forbearance with the understanding that the missed payments would be added to the end of the loan and no penalties or negative reporting to the credit agencies. I extended the Forbearance after to 6months to a total of 12months which expires on XX/XX/XXXX. Last week I called and spoke to a teller at Freedom Mortgage explaining I was ready to start making my regular monthly payments prior to the Mortgage Forbearance and verify that the missed payments would be added to the end of the loan. He put me on hold for a few minutes and came back to tell me that our home mortgage isnt backed by XXXX. I questioned how I was told the opposite of that 1 year ago, by the teller referred to in the conversation on XX/XX/XXXX. He did state that he saw notes in my file regarding the request for confirmation back on XX/XX/XXXX. But had no explanation as to why it isnt a year later. Now, Ive been presented with a documentation package to complete and was told the lender will decide what they want to offer me to avoid foreclosure.

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