vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XX/XX/2019 My XXXX XXXX XXXX mother wanted to refinance her mortgage to get a lower interest rate and to take equity from the house for home repairs. She contacted Carrington Mortgage, the holder of her mortgage. I offered to be a co-signer for my mother. When the mortgage specialist, XXXX, contacted me I told him I was only signing as a co-signer. I explained that the house belongs to my mother. He had access to that information as well. I do not appear on my mothers mortgage anywhere. This mortgage specialist said he understood. Carrington then ran a hard credit inquiry on both my mother and myself. they then sent all documents to us with my name appearing as primary on the re-financing with my XXXX XXXX XXXX mother showing as a co-signer. He hinted at my mothers age. I told him I was not the one taking out the loan nor was I the owner of the house and that he had to have the documents re-done to reflect my XXXX XXXX XXXX mother as the primary and me as a co-signer on the refinancing for her home. 
Carrington then ran another hard inquiry on our credit on XX/XX/2019 and sent a second set of documents for us to sign. Again my name appeared as the primary on the loan for the second set of documents at which point I told " XXXX '' to forget it. I told him that what he was doing was illegal. He did not want to have my mother as primary on her loan because of her age. He was treating her as if she did not understand things and decided to speak with me instead of my mother. On several occasions I had to tell " XXXX '' that he had to deal with my mother for details pertaining to her home. The two hard inquiries to our credit reduced our credit scores. Carrington laims that I had a new card or something on my credit and that is why they ran it again. they would not have known of the new credit had they not done a second hard inquiry. they also had not reason to do a hard inquiry within 30 days of the first inquiry. What Carrington did was discriminate against my XXXX XXXX XXXX mother because of her age. they had no reason not to grant my mother the refinancing so they get pushing documents at us with my name as the primary in hopes that we did not notice. We told Carrington to forget the refinancing and told them to remove the second inquiry from our creidt scores. to date they have not. We were unable to apply for another loan to refinance the house because the two hard credit inquiries lowered our credit scores. Carrington made sure that since we were not going to use them because of their underhanded discrimination tactics that we would not be able to secure the low interest rate we were seeking and were entitled to from any other lender because our credit score had now dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: U.S. BANCORP
State: NH

Complaint narrative:
Us Bank incorrectly put late payments on my credit report showing XXXX and 60 days late my bank XXXX XXXX verifies they made the error as I had auto pay connected

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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
Effective XX/XX/2020, An account from XXXX XXXX was entered to my credit report. They previously submitted a collection letter both from XXXX, and Sequim. I demanded proof of debt, and neither XXXX  or sequim responded. I did not have an account with them. I want this debt removed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I never received information on when my vehicle will be repo. I called Friday to see if I could get pym arrangements or put pyms on hold due to Covid19 and was refused. Tuesday my truck was picked up. No letter in mail no email no phone call saying I have until this time to that time to make pym or vehicle will be repossessed.

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 2020-08-13 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: FL

Complaint narrative:
I called XXXX, transunion and XXXX credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.

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 2020-08-13 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: FL

Complaint narrative:
I called XXXX, XXXX  and Equifax credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 am a victim of identity theft and did not make the charges.

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 2020-08-13 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 am a victim of identity theft and did not make the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Inquiry from Credit Acceptance Corp/CAC on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2020-08-13 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Inquiry from TD Auto Finance on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Ive made several attempts for National Credit Adjusters to validate the debt that their assuming belongs to me. They never send validation that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2020-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I looked on to my USAA account and discovered two a XXXX  a savings and checking account hold jointly had been drained of all funds.Upon review of the transactions here is the list of the fraudulent ones : Savings Account XX/XX/XXXX XXXX withdraw - {$65.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX deposit {$1000.00} XX/XX/XXXX USAA funds transfer from account - {$200.00} XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$570.00} XX/XX/XXXX XXXX withdraw - {$600.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX USAA Funds Transfer - {$40.00} XX/XX/XXXX XXXX Deposit {$400.00} XX/XX/XXXX Deposit Check via mobile ( check is made out to a person not known to either account owner and made out for {$170.00}, tried to deposit the check for {$1000.00} ) XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$400.00} Checking account XX/XX/XXXX USAA funds transfer to account - {$200.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX USAA funds transfer {$40.00} XX/XX/XXXX XXXX withdraw - {$100.00} USAA was called on XX/XX/XXXX and notified of the suspicious activity on the account. No response from USAA, called on XX/XX/XXXX and wanted to speak to the joint owner of the account. XX/XX/XXXX called to get case number and update, and was told to wait 10 days. Called XX/XX/XXXX and went into all the transactions. Upon discussion USAA it was discovered that USAA contacted us on XX/XX/XXXX to notify him of a new device added to his account. When looking through his gmail account none of the notifications were in his email, nor trash. USAA notification for deposits and adding access to XXXX was all gone. USAA recommended changing passwords and running a credit check. The criminal might have used access to our email account to then authenticate themselves for the USAA transactions. 
Looking through the gmail account odd emails had been found. It turns out all emails being sent to a XXXX XXXX were in our account. An email was sent to XXXX XXXX and he responded to say that his email had been hacked and that he also had a {$1000.00} bank fraud. 

USAA has not been forth coming with the fraud investigation, no case number has ever been given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2020-08-13 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: Next Level Finance Partners  LLC
State: MI

Complaint narrative:
Inquiry from XXXX/NCA on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX  on XXXX XXXX  XXXX XXXX. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/2018. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2020-08-13 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Inquiry from XXXX  on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2020-08-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$360.00}, {$1900.00}, {$2800.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my 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 explanation