vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid for a product to be provided to me through XXXX  XXXX  of {$900.00} on XX/XX/20. The person said that they needed more money in order to provide the services I was paying for. It was many excuses given that didnt add up so I knew it was a scam. Asked for my money back they wouldnt give it to me and blocked me from communicating. XXXX  XXXX  said once money is transferred to the members bank they cant get the money back so I disputed charges with my bank Suntrust who Ive been with since XXXX/XXXX  and they denied my claim and have been very inconsiderate to help me get my money back.

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 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I cancelled a Western Union wire and did not see disclosure that transfer fees would not be reimbursed until after I completed the cancellation. The disclaimer, if listed on previous pages, was very small and unnoticeable to the point where it may as well have not been disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST. Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for a loan modification with my lender Shellpoint. On XX/XX/2020, I spoke with XXXX whom informed me I was approved fora streamline trial modification starting on XX/XX/2020 in the amount of {$930.00}. I was advised the approval letter was going to be mailed to me in a couple of days. I was also told I could call back in an obtain a copy via fax once it was available. There was a pending foreclosure sale date of XX/XX/2020 on my loan but due to the approval I was not concerned as I was accepting the approval. Then on XX/XX/2020 I receive a phone call from Shellpoint telling me my sale is still active and what am I going to do, I was confused as I was just told a few days prior I was approved with the first payment starting XX/XX/2020 so why would they proceed with the sale date? I was advised from XXXX XXXX, on behalf of Shellpoint that he did see my file was pending the final approval but because there is a trustee sale date the approval is more than likely going to be denied. Per Mr. XXXX XXXX he is sorry someone did not provide me with the entire information and they are moving forward with the trustee sale date. I then asked to speak with a supervisor. Per Mr. XXXX XXXX he will transfer me to a supervisor but instead I got transferred back to the automated system. 
I was never assigned a point of contact throughout the process and Shellpoint never reached out to me for options except that one time only to tell me my house was selling the NEXT day. So due to their mistakes, my home has now sold to a 3rd party and I am facing eviction. This is a prime example of wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: PA

Complaint narrative:
I just reviewed my most recent credit report and items due to my identity theft case are still showing on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: DISCOVER BANK
State: FL

Complaint narrative:
Reviewed credit report in XX/XX/2019 and found a Discover Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted Discover Financial directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May  Concern : I received a copy of my credit report and found the following i

tem ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have previously submitted a police and FTC Identity Theft report. Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding your continued willful and negligent noncompliance. 

Despite numerous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having copy the original credit application on file. In the results of your first investigation and subsquent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who in your verifed these accounts are mine? How did they verify them? You still have provided me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verfication as required under Section 611 ( 5 ) ( A ) - you are required to '' ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing ligation in this matter to enforce my rights under the FCRA. 

I demand that you send me copies of the documents you used to verify the following accounts listed below or your delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

ACCOUNTS : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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:
I just reviewed my most recent credit report and items due to my identity theft case are still showing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: First Associates Loan Servicing LLC
State: UT

Complaint narrative:
Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Nationstar dba/Mr. Cooper acquired our mortgage in XXXX from the originator. We have made timely payments in full and yet Cooper claims we are in arrears. We have spent hours on the phone with Cooper giving them proof of payment. Just today we got a letter saying we are in default. This is utterly unacceptable. We insist that Cooper find all of the payments we have made, credit them fully, refund all late fees, and cease any default actions. 

We closed on a house XX/XX/XXXX, using a local mortgage originator in XXXX XXXX, NC. The closing included payment for XXXX, XXXX. Using the voucher provided by the originator, we made the XXXX payment of by check. We have the cancelled check, and the originator has confirmed that the XXXX payment was transferred to Cooper with the rest of the loan documentation. 

We have since made two other payments by direct transfer from our bank. We have confirmations that those payments went through. They should be for XXXX and XXXX -- or at least XXXX and XXXX. In any case we are current. 

Cooper keeps making robo-calls and mailing notices that we are " in default '' and " delinquent. '' It is outrageous that this company treats diligent and responsible clients so badly. It is not our responsibility to find Cooper 's money when it buys a loan. Their sloppiness is their problem. 

Please order Cooper to cease and desist all default and delinquency proceedings, to find and credit all of our payments, to credit back all late fees and charges, and to confirm in writing we are -- and always have been -- current with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CA

Complaint narrative:
I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.

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 2020-03-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage owns the reverse mortgage on my home loan # XXXX. 

1. PHH Mortgage unfairly receives excess interest on the loan by only accepting payments via mail. Thus by not accepting online payments, interest is charged for up to two weeks or more after a payment is mailed, unfairly limiting my ability to reduce the amount of the mortgage and unfairly benefiting from the excess interest income. 

2. PHH Mortgage does not permit direct access to Customers Service Representatives who can answer specific questions related to accounting and or specific payments such as the status of a bank wire transfer. When I asked to speak to someone in the accounting office, I was told that I had to submit my questions in writing to the accounting department and they would get back to me. 

This practice unfairly discriminates against borrowers who do not possess adequate education and financial awareness to write clear and concise questions. Further, the practice discourages borrowers from being able to obtain timely information about their loan in the event of an emergency. Further, this oversight increases the length of time that mistakes and/or oversights in accounting are allowed to impact the borrowers loan.

Company response to consumer: Closed with explanation