vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX  closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: CORELOGIC INC
State: LA

Complaint narrative:
OnXX/XX/XXXX XXXX XXXX XXXX (now XXXX XXXX) did a credit inquiry through CoreLogic Credco against my wishes.On XX/XX/XXXX XXXX XXXX XXXX did a credit inquiry through CoreLogic Credco against my wishes.

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 2019-08-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Had numerous problems filing credit dispute with Equifax. Claim they were concerned with fraud which is so humorous in that they allowed so many accounts to be hacked. Finally spoke to supervisor XXXX on XX/XX/2019. She took my dispute over the phone and gave me claim number and said she would acknowledge opening up discpute by email. No email sent. Tried their dispute automated hot line which  after having to listen to all their ad hung up on me. Did if four times and got a hand up each time. Finally spoke to a rep and supervisor and both refused to send me a note, email, letter of fax acknowledging they opened up a case and the date it was opened. Very reasonable request on my part and they are robots who only read of a list of what they will do even when it has nothing to do with the request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: ID

Complaint narrative:
XXXX; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-20 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-20 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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

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 2019-08-20 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Experian and XXXX have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-20 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: ID

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  XXXX has removed this from my credit report however, XXXX and Transunion have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/19applied online through experian, XXXX, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For experian specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.

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 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My wife and I, with the help of a local law firm, submitted an application in XX/XX/2019 to Ocwen Mortgage Company, for a short sale of our home. We included all required documentation including a fully ratified contract from a prospective buyer of the home. Ocwen wasted time and did not process our application in a timely manner. Then we received a letter in XX/XX/2019 that Ocwen had joined forces with PHH Mortgage services and PHH had become the new servicer for this account. The prospective buyer dropped out after waiting 3 months for an approval which never came. We updated and resubmitted all documentation to PHH, which we did in a timely manner in XX/XX/2019, along with a ratified contract with a new prospective buyer. On XX/XX/19 we received a letter from Ocwen / PHH saying "Thanks for submitting the request for mortgage assistance. We have reviewed the application and documents submitted. The application is currently COMPLETE as of XX/XX/19 and we do not require any additional documents at this time to evaluate the request for help..."Since late XX/XX/2019, both I and my representative from a local law firm have repeatedly called, have been put on lengthy holds, and have been transferred from person to person, only to find that NOONE HAS REVIEWED OUR APPLICATION AND SUPPORTING DOCUMENTATION.  We are very concerned that this prospective buyer will drop out like the last one did due to lack of progress, and that this home will go into foreclosure. All of this could be avoided if PHH's Short Sale Dept. would only review and approve our thorough short sale application and supporting documentation. Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have try to call serval time no answer please remove from 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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Every year I request through the Annual Credit Report site and Experian never give me access to it. I tried calling the company but cannot get a live person. I have mailed documents to Experian as they request on the website but never mailed the 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have 2 private student loans (#XXXX  & #XXXX) that are serviced by Discover Student Loans.  As I did not receive my billing statement in the mail, I reached out to Discover and was informed that a system upgrade automatically changed the billing statement method of receipt (paper to paperless).  Apparently, this system failure happened back in XX/XX/XXXX and impacted my XX/XX/XXXX and XX/XX/XXXX (and conceivably every month thereafter if not for my intervention).  Discover never reached out to me. I never received any phone calls, emails or letters.  Furthermore, and most disturbingly, Discover never did anything to correct their mistake.  Since they knew the error, why not correct it?  Instead, they continue with their dishonest behavior and allow the account to become past due and possibly worse if not for my intervention.  Another deplorable and despicable example of student servicer engaging in BAU.  They should be penalized to the fullest extent of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: BB&T CORPORATION
State: MD

Complaint narrative:
There is an Inquiry on my credit report that shouldn't be on my report from a company called Bb & T from XX/XX/2019!!! I want this inquiry removed as soon as possible. My named is XXXX XXXX XXXX. The persons name this inquiry belongs to name is XXXX XXXX XXXX!! Please removed this item at once from my XXXX credit report. 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 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
When the vehicle was purchased, we were not clear as to how "simple interest" would be calculated.  We are paying 22% interest in a vehicle that should be more than half way paid off by now.  We have made 72 payments of XXXX on the initial purchase of $XXXX.  We were told that $XXXX  of each payment went to the principal balance.  That would leave a balance of around $XXXX remaining.  However, the payoff for the loan is $XXXX    That's a difference of about $XXXXWhen we purchased the vehicle this was not explained to us.  It is a fraud to tell people that they are paying money toward the principal and then not apply the funds to that balance.

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 2019-08-20 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: TX

Complaint narrative:
inaccurate information still showing on on credit report. XXXX XXXX   open on XX/XX/XXXX fraudulent amount XXXX  - this does not belong to meXXXX XXXX XXXX  open on  XX/XX/XXXX fraudulent amount XXXX  - this does not belong to 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 explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 $XXXX was taken out of my Chase checking account and it was labeled "Returned Check."I discovered this on XX/XX/XXXX, Friday, when I went on line to check my account.  I immediately called Chase.  After 3 hours on the phone being passed from one department to another, I was told I'd have to go to the branch.On Saturday,XX/XX/XXXX, I went in to the branch at XXXX XXXX XXXX.XXXX XXXX FL XXXX  and spoke with XXXX XXXX.  I sat at his desk for over an hour while he made a few calls.  I heard him say several times, "No, I do not want to be sent to another department.  I will hold."  As I said, after over an hour he is sitting on hold so I told him I have to leave and he said he would call me in 15 minutes.  That was Saturday.  He finally calls me back Monday morning to tell me he has no answer why the $XXXX   was taken from my account.  I told him I wanted to speak to someone higher in authority.  He said he would call me back.  He never did.  I still have no answer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Kentucky Higher Education Assistance Authority
State: MI

Complaint narrative:
Kentucky Higher Education garnished my check for a little over $XXXX The last Garnishment (XX/XX/19 payroll date) not only took my balance to $XXXX but KHE now owes me $XXXX for over payment.onXX/XX/XXXX I got a letter from the treasury advising of an offset of $XXXX paid to KHE. now bringing the balance owed to me from KHE to $XXXXonXX/XX/XXXX i find out i am still being garnished and another payment was sent to KHE in the amount of $XXXX   bringing the balanced owed to me from KHE to $XXXXWhen calling the KHE debt recovery department the representatives and supervisors are all rude and argumentative. They threaten to hold my over payment of $XXXX for 30 days and not pay me interest. They won't sent me a paid in full letter for 30 days and refuse to help. they mentioned multiple times through the conversation that "we had to forcibly get payments" which is irrelevant since there is not only a $XXXX  balance but money owed to me and it should not take 30 days to get it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: AZ

Complaint narrative:
On XX/XX/19 applied online through XXXX, innovis, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For XXXX specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.

Company response to consumer: Closed with explanation