vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: NV

Complaint narrative:
In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )

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 2020-03-19 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: NV

Complaint narrative:
In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NV

Complaint narrative:
In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )

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 2020-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gitsit Solutions, LLC.
State: NY

Complaint narrative:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This is my complaint. Thank you for your help. 
Westlake Financial Services, XXXX XXXX, CA Re : XXXX XXXX XXXX loan Acct : XXXX I purchased a vehicle XX/XX/XXXX from XXXX, XXXX and they secured financing for me through Westlake Financial Services in XXXX XXXX, CA. I paid off this vehicle in 6 months on XX/XX/XXXX ( see attached statement ). I called W.F. on XX/XX/XXXX to inquire about the status of the payoff and my car title. I was told the title was processed and sent to the creditor, XXXX XXXX XXXX. I have no idea who XXXX is, or why Westlake would send them my title!! She then asked me if I still have the car, where is the car, did I payoff the car myself? ... all crazy questions. Yes, I have my car. I kept asking who is XXXX, and why did you send my title there? She said to call back on Monday, XX/XX/XXXX and speak to the Title Dept. 

I called back on Monday and spoke with XXXX in the Title Dept. She needed to research but would call me back. She called back and left a voicemail but no details, andno phone number to contact her directly. I spent the next 2 hours trying to call and get her on the line but kept getting disconnected and/or rerouted. I demanded to speak with a manager and was connected to " XXXX. '' He also looked up my account and said he needed to forward the matter to the Title Dept and instructed me to call back in 2 days. I asked why someone can't call me back instead, and he said they just needed me to call back. Now with the Coronavirus around, I'll be on hold for hours and don't have time to waste with these incompetent people. My title is missing and I want it corrected and issued ASAP. Thank you again for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 i opened a checking account ( including initial deposit of {$25.00} ) at SantanderBank.com, which came with a promotional bonus of {$200.00}. I never received the debit card and my account #, etc. I called Santander Bank twice the following weeks at ( XXXX ) XXXX. The representatives were Sarcastic, Rude and unwilling to solve the problem. I asked hem that if they don't want to open my new account they should refund my money. They were laughing and hang up the phone. It looks like that i am dealing with another Mafia Bank  authorized to be in business by a Corrupted Government.

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 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my Chase business card. Chase 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at Chase, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to Chase. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from Chase during the month of XXXX. I told Chase, I had begun working with a credit counseling agency. As I received more calls from Chase, I contacted XXXX XXXX in regards to my account with Chase. XXXX XXXX first stated, They were waiting for Chase to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from Chase. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to Chase. They instructed me to disregard correspondence from Chase. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and Chase hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with Chase and was going to end the relationship. On XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to Chase canceled. The first payment was made from XXXX XXXX to Chase on XX/XX/XXXX. 
This resulted in Chase reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with Chase and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for Chase to accept the proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them 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 2020-03-19 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them 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 2020-03-19 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE ASKED THAT THE BANKRUPTCY, XXXX XXXX/ XXXX XXXX AND XXXX XXXX, AND XXXX XXXX ACCOUNTS 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 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
Dear Sir, My name is XXXX XXXX XXXX and I am XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX,, a company which XXXX XXXX   XXXX  in the XXXX VA area. 

Recently, due to an error in surveying, we have had to have a lot line adjustment on one of our sold units. This revision in the mortgage involved no change in the size of the lot or house since it involved only moving the perimeter by 2 feet. 

XXXX XXXX/Dovenmuehle Mortgage Inc., the company holding the mortgage on the unit required us to pay {$1400.00} for the revision as well as {$470.00} for an appraisal even though the house in question was only a few months old. We dutifully paid these fees on XX/XX/2020 and as of this date we still have not received the revision documentation. 

This delay in providing the revision is currently holding up the closing on a new, adjacent unit, causing the prospective owner signification delays. Last Monday ( XX/XX/XXXX ) we learned XXXX XXXX had signed off on the revision and consequently we anticipated getting the final documentation quickly thereafter. Unfortunately, after all this time, XXXX XXXXl/Dovenmuehle Mortgage, Inc., informed us the revision would take an additional two - three weeks. 

We feel XXXX XXXXl/Dovenmuehle Mortgage, Inc. has not operated in good faith and unfairly delayed a simple mortgage revision. We would appreciate anything you can do to look into this issue with XXXX XXXX/Dovenmuehle Mortgage, Inc. so the prospective buyer of the adjacent unit can receive clear title. Delays of this length by lending institutions like XXXX XXXXl/Dovenmuehle Mortgage, Inc. cause enormous grief and inconvenience that should not be tolerated. Contact XXXX XXXX/Dovenmuehle Mortgage, Inc. is listed below : XXXX XXXX Special Loans Administrator XXXX XXXX Thank you for your kind assistance. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I contacted Mr. Cooper Mortgage two times to ask a question about my account. I was told that the Mortgage Servicing Department was very busy and that I would be called back. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE ASKED THAT THE BANKRUPTCY, XXXX XXXXXXXX/ XXXX XXXX AND XXXX XXXX, AND XXXX XXXX ACCOUNTS BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ive had this car loan a little over a year now. When I made My XXXX payment I noticed my payment was showing past due. Ive made all my payments ahead of schedule and never missed a payment or been late. I called Ally auto on three separate occasions to resolve this issue. The Ally operators can barely communicate, but did manage to explain my account would be updated to reflect the current status and any late charges would be waived. They were experiencing trouble with their website. That was three months ago and now I cant even contact them online or by phone. I get a message for high call volume and no one responds to my online queries. I am so sick of this kind of treatment. I work hard to be on time to pay my bills and creditors. I dont need predatory companies and tactics, sabotaging and holding my credit hostage. Please help me resolve this.

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 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEGASTAR FINANCIAL CORP
State: MN

Complaint narrative:
Tried to refinance at 3 or 3 1/8 % for a 30 year fixed the last two weeks or so ( from week of XX/XX/XXXX through XX/XX/XXXX ). Was unable to get a call from broker until too late to lock in. This is a mortgage industry problem that affects financial lives. The industry should be able to accommodate borrowers who want a rate- all borrowers who want a rate, or none of them. The industry needs to be fixed. The dates and details are not important. Nothing happened after I sent the company an email describing the problem on XX/XX/20.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: OH

Complaint narrative:
I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation